Brillos De Luna Group
This group includes Mrs. María del Carmen O., who is 48 years old. She has five children, including three boys and two girls. In spite of only having completed primary school, she has taken them forward. At present, only two of her children depend on her. One of them is 15 years old and is not in school, and the other is 9 years old and is in primary school.
For 23 years, she has worked to keep her craft workshop; this business is very important to her, and it represents many years of effort and dedication. It also gives her the opportunity to improve her life. With this loan, she wants to buy tools and paint. Her crafts are made of wood, and she decorates them by hand. Most of her earnings are from the sale of pencil caps, rattles, cup-and-ball toys, yo-yos, and keyrings. She wants to grow her business and offer her children the opportunity to better themselves every day.
Mrs. Concepción Francisca M. is the president of the group. She is 46 years old and has a daughter. In spite of being a single mother, she has had a dressmaking workshop. Most of her earnings are from selling garments like school coats, uniforms, curtains, tablecloths, costumes, and sometimes dance clothing.
For three long years, she had to work very hard to buy her first machine. With loans, she was able to buy the machinery, which improved the quality of her garments. Her biggest dream is for her daughter to become an excellent bilingual secretary and to have a better life with her mother and daughter.
En el grupo se encuentra la señora María del Carmen O. ella tiene 48 años de edad; tiene cinco hijos, tres hombres y dos mujeres, a pesar de solo haber estudiado la primaria los ha sacado adelante; Actualmente solo dependen de ella dos; uno de 15 años y actualmente no estudia y una niña de 9 años que estudia la primaria.
Desde hace 23 años ha luchado por mantener su taller de artesanías ya que para ella su negocio es muy importante pues representa muchos años de esfuerzo y dedicación así como la oportunidad de progresar en su vida.Con el crédito quiere comprar herramienta y pintura; las artesanías que hace la señora son de madera y las decora manualmente, la mayor parte de sus ganancias las obtiene de la venta de: tapón para lápiz, matraca, baleros, yoyos y llaveros. La clienta nos comenta que quiere hacer crecer su negocio y de esta manera ofrecerles a sus hijos la oportunidad de superarse día a día.
La señora Concepción Francisca M. es la presidenta del grupo, de 46 años de edad, tiene una hija, a pesar de ser madre soltera desde hace ya 29 años cuenta con un taller de costura, la mayor parte de sus ganancias las obtiene de la venta de algunas prendas como son: Batas escolares, uniformes, cortinas, manteles, disfraces y en ocasiones vestuarios para bailables; con sus conocidas.
La clienta nos comenta que durante tres largos años tuvo que trabajar arduamente para poder comprar su primera máquina, a través de préstamos pudo comprar maquinaria y con ello obtener mayor calidad en sus prendas. Su máxima ilusión en la vida es que su hija pueda desarrollarse como una excelente secretaria bilingüe, y cada día tener una mejor vida con su mama e hija.
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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