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Carmelitas De Cholula Group
In this Group: Maria Del Carmen , Sandra Elizabeth , Patricia *, Ma Guadalupe , Silvia , Juana , Juana , Francisca , Norma , Maria Concepcion *
* not pictured
The name of this group is "Liberal Women". The name was chosen for their combined wish is to improve their life, and for personal development. It is a way for them to feel strong day after day and to always find success. The majority of the group lives in the state of Hidalgo. The group is made up of 10 members.


Maribel Nava R. is the president of the group. She is 26 years old, she is a single mother, and she completed grade 9. She is a secretary and she has 2 children (a boy and a girl). She sells shoes through a catalogue. Maribel has been running her business for 1 year and she requests a loan to purchase new catalogues so that she might improve her sales and save money. In the future she hopes to have a store where she will find better success, so that she might always provide for the needs of her fmaily. She wants to live without worries and without ever having to secure other paid work.

The members have commented that Maribel Nava R. is an excellent salesperson, visiting her neighbors and her colleagues. She is a very hard working person, very kind, and of a excellent personal demeanor. She really enjoys her work. When she requested her loan Maribel felt very fortunate to have been given the opportunity. With the increased earnings from her shoe sales she will be able to take her kids on a holiday for one week in Acapulco. This will be making her kids' dream a reality.

Maria Guadalupe Raya J. is the treasurer of the group. She is 26 years old and completed junior high school. She lives together with her partner and she has 3 children (aged 10, 6 and 3 years old respectively). For the past 8 years she has been selling hand knitted handbangs, with stone and aluminium bead work in different designs. She requests a loan to invest in the purchase of materials such as threads, colored beads and high quality colored stone beads. She will be able to sell more and in less time. She goes to different municipalities, but at first she only ever sold to her friends and family. But slowly she started visiting the markets in the municipality of Tizayuca. Her clients indicate that she is a very kind person, always offering good service and a good variety of hand bags. She offers flexible payment options (weekly payments or in cash) depending on the client's needs. She feels grateful for the support offered to her through this loan and for the opportunity to get ahead, especially for her family. She helps her husband with the household expenses because his source of income is insufficient. She was initially given support by her parents who helped her improve the quality of products that she sold.
View original language description ↓
Este grupo se llama “Chicas Liberales”, el nombre se escogió por ser un grupo de mujeres con deseos de superación, y crecimiento personal y porque es una forma de obtener fuerzas día con día y así poder sobresalir continuamente, la mayoría de este grupo se encuentra ubicado en el Estado de Hidalgo, El grupo está conformado por 10 integrantes.

Maribel Nava R. es la presidenta del grupo. Tiene 26 años, es madre soltera, estudió hasta el tercer año secundaria, es secretaria y tiene 2 hijos (1 mujer y 1 hombre). Ella se dedica a la venta de calzado por catalogo. La Señora Maribel tiene 1año con la venta de calzado y solicita el préstamo para la compra nuevos catálogos, así poder elevar sus ventas, ahorrar para adquirir en el futuro un local comercial para tener un mejor desarrollo y satisfacer las necesidades de su familia viviendo tranquilamente sin verse en la necesidad de trasladarse fuera a trabajar.

Sus clientes nos comentan que la Señora Maribel Nava R. es una excelente vendedora ya que realiza visitas a las casas de sus vecinas, y con sus compañeras de trabajo, es una mujer muy trabajadora, muy amable, de excelente carácter y le gusta mucho a lo que se dedica. Al momento de solicitar este préstamo la Señora Maribel se siente muy contenta por la oportunidad que le dan pues con las ganancias de la venta de calzado ella cree podrá llevar a sus hijos de vacaciones un fin de semana a Acapulco. Y cumplir así el sueño de sus hijos.
María Guadalupe Raya J. es tesorera de este grupo. Tiene 26años, tiene la preparatoria terminada. Vive en unión libre y tiene 3 hijos (10, 6 y 3 años respectivamente). Ella se dedica a la venta de bolsas tejidas con detalles de pedrería y fichas de lata de diferentes modelos que inició hace 8 años. Solicita el préstamo para invertir en más materia prima como comprar hilos y fichas de colores al igual de piedras de mayor calidad y así poder vender más en poco tiempo. Actualmente sale a vender a otros municipios pues en un principio solo su venta fue destinado a vecinas y familiares, poco a poco fue abriendo mercado en el municipio de Tizayuca. Sus clientes comentan que la señora es una persona muy amable, ofrece muy buen servicio y variedad de bolsas, ofrece facilidades de pagos (semanales o de contado) de acuerdo a las posibilidades de sus clientas. Al momento de solicitar este préstamo se siente respaldada y con la oportunidad de salir adelante con su familia además de apoyar a su esposo con los gastos de su casa ya que es de escasos recursos económicos y que eso le da mucha confianza parta seguir adelante contando con el apoyo de sus padres poder realizar mejoras en sus productos.


Los integrantes del grupo son:
Maribel Nava R. Venta de zapatos por catalogo
María Guadalupe Raya J. Venta de bolsas
Gisela Úrsula Mendoza J. Tienda de Abarrotes
María Asunción Vargas C. Venta de blancos
Josefina Tinoco Z. Venta de zapato
Laura Gonzalez O. Taller de Costura
Marta Selene Saldaña R. Venta de blancos
Liliana Sánchez P. Venta de zapato
Martha Javier S. Venta de ropa por catalogo
Bertha Javier S. Venta de cosmético

Additional Information

About CrediComun

This 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.

About Mexico

  • $15,600
    Average annual income
  • 14
    View loans »
    Mexico Loans Fundraising
  • $18,745,125
    Funds lent in using Kiva
  • 13.2
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Carmelitas De Cholula Group's $2,400 loan helped a member to invest in her business (to purchase new catalogues).
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 17, 2010
Listed
Aug 31, 2010
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2011