Lluvia De Luz Group
Juana is treasurer of the group. She is 43 years old and studied until the 3rd year of primary. Juana is married and has a total of 6 children, 1 female and 5 males. Juana buys and sells cattle, a business she started 5 years ago. She is requesting a loan to buy pasture and fodder, for the purpose of keeping her animals in good condition. Juana's customers consider her a very hard-working and responsible person, and she is recognized in her locality as having the best cared for cattle due to the great experience she has in raising cattle.
Juana feels content and gratified with the service and treatment that this institution provides, in view of the fact that it is difficult to obtain credit in this economic sector. With her earnings, Juana intends to construct a better stable and thus, to be able to acquire more cattle. By making her business grow, she can expand her sons' bedroom so that they can be more comfortable.
The remaining members of the group are:
Margarita R. C. Selling hand-made tortillas
Juana L. E. Cattle raising
Letisia S. F. Selling clothing
Andrea C. R. Selling hand-made tortillas
Blanca Y. C. C. Student coop
Rafaela R. B. Cattle raising
Claudia O. A. Cattle raising
Isabel A. L. Inn
Eustolia A. G. Cattle raising
Guadalupe M. C. Selling milk products
Julia R. P. Cattle raising
Juana L. E. es tesorera del grupo. Tiene 43 años, estudió hasta el tercer año de primaria, es casada tiene en total seis hijos una mujer y cinco varones. Ella se dedica a la compra y venta de ganado, negocio que inicio hace quince años. Solicita el préstamo para la compra de pastura y forraje, con la finalidad de seguir teniendo animales en buen estado. Sus clientes consideran que es una persona muy trabajadora y responsable, y es reconocida en la localidad por contar con el ganado mejor cuidado, debido a gran experiencia que tiene en la crianza de ganado. Se siente contenta y agradecida con el servicio y trato que la financiera le proporciona al otorgarle un préstamo ya que debido al sector al que pertenece es difícil adquirir un crédito. Con sus ganancias pretende construir un mejor establo y así poder adquirir mas ganado, y al hacer crecer su negocio podrá al ampliar la recamara de sus hijo para que puedan estar mas cómodos
Los otros integrantes del grupo son:
Margarita R. C. Venta de tortillas a mano
Juana L. E. Ganadería.
Letisia S. F. Venta de ropa
Andrea C. R. Venta de tortillas a mano
Blanca Y. C. C. Cooperativa escolar
Rafaela R. B. Ganadería
Claudia O. A. Ganadería
Isabel A. L. Fonda
Eustolia A. G. Ganadería
Guadalupe M. C. Venta de productos lácteos
Julia R. P. Ganadería
About CrediComunThis loan is administered by CrediComun, a Kiva Field Partner since February 2010. CrediComun is dedicated to providing loans to groups of women in rural areas in Mexico, and is beginning to lend to individuals as well. One of its newest branch offices is in Ciudad Neza, a poor suburb on the outskirts of Mexico City. CrediComun has grown rapidly since its inception in 2005, with 37 branch offices and over 350 employees, and was ranked the 12th best microfinance institution in Latin America in 2010 according to the Microfinance Information Exchange (MIX).
For more information on CrediComun, please visit its partner page. If you would like to support CrediComun and its borrowers, please visit its lending team.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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