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Citlali Group
In this Group: Reyna, Adela, Altagracia, Josefina, Margarita, Emelia
This communal bank is called Citlali and it is located in the community of Hueyapan, Tétela del Volcán, in the state of Morelos, Mexico. It has six members who know each other and are neighbors. Reyna A. R. will use her loan to purchase boxes of soft drinks, Pepsi, and candy by the bag and by the kilo to stock her business. Mrs Adela B. R. will use her loan to purchase napkins, thread, yarn and blouses to sell. Mrs Altagracia Jiménez C. will purchase flowers wholesale ('nubes', 'polares', 'casinos', 'palmas' and 'clavelins' - all types of flower) to stock her business. Mrs Josefina Pérez Jiménez will purchase fabric to embroider, thread, wool etc. As well as making napkins, Mrs Margarita T. Aragón will purchase live chickens to raise and sell whole and by the kilo. Mrs Emelia A. F. will purchase oils, formulas, tea and tablets to stock and sell. The members of the group would like to say to Kiva and Fundación Realidad “thank you for helping us with the loans. We are very happy that you are giving us a hand and we are thereby able to achieve our goals”.

Mrs Margarita T. Aragón is a member of the Citlali group. She is 26 years old and studied up to the third year of high school. She has her diploma. She has one daughter called Litzy Paloma who is 7 years old and is attending elementary school. She is requesting her loan to purchase thread and cochineal and indigo dyes. She makes handicrafts; 'rebosos' (a type of scarf), 'mañanitas' (a type of shawl), jackets, backpacks, caps, scarves and cell phone cases. Her business is called “artesanías de Hueyapan” (Hueyapan handicrafts). It is a group of craftspeople from San Felipe. She joined the group 2 years ago. She learned because her mother taught her to make garments with a backstrap loom and she was interested in selling them. The first 'reboso' (scarf) which she made was with thread which her mother gave her as a present. She sold the scarf and bought more thread and saw that the sale worked. Her business is in her home in San Bartolo, Hueyapan and it has helped her to pay for food and cover her household expenses. She also has a business in the city center in a market where she sells chickens in parts or whole. Her husband helps her with the chicken sales and also helps her in her handicraft business as he knows how to make handicrafts. She considers her business to be important because it enables her to support herself. The aspect of her work she likes the most is when the garments are finished because they are pretty and if not she pulls them out and starts again.. Her business gives her a lot of pride as does creating handicrafts, above all because her mother showed her how. She remembers when she sold her first scarf she was suffering hardship and it got her out of a difficult situation. Her customers are tourists and students who buy her backpacks. The challenges which she faces are the high cost of thread and the cochineal and indigo dyes, as well as the competition as there are other people who make handicrafts. Some of her business profits go towards food and some is re-invested in purchasing material in Santa Ana, Puebla.

Margarita is planning to expand her business and buy more products of the same type but wholesale. Her dreams are to have more sales and to have a well-known and well-stocked handicrafts store. She hopes to achieve this by means of her loan and putting a lot of effort into her work. Hueyapan has a cool climate. There are a lot of trees which grow cold-weather fruit; pears, apples, 'tejocotes' (the fruit of the Mexican hawthorn tree), quinces, chokecherries and sweet tamarind. The town is near Volcán. Its church is one of the oldest and tourists come to visit it.
View original language description ↓
Este grupo solidario se llama Citlali, está ubicado en la comunidad de Hueyapan, Tétela del Volcán, en el estado de Morelos, México, está conformado por 6 integrantes que se conocen y son vecinas, ellas son Reyna A. R. y va a comprar con su préstamo mercancía refrescos por caja, pepsi, dulces por bolsa y por kilo para surtir su negocio, la señora Adela B. R. va a comprar mercancía servilletas, hilos, estambres, blusas para vender su producto, la señora Altagracia Jiménez C. va a comprar flor por mayoreo nube, polares, casinos, palma, clavelin para surtir su negocio, la señora Josefina Pérez Jiménez va a comprar tela para bordar, hilos, estambres etc. Para elaborar sus servilletas, la señora Margarita T. Aragón va a comprar pollo vivo para criar y vender por kilo y entero, la señora Emelia A. F. va a comprar producto formulas, olea, te, tabletas para surtirse y vender su producto. Las integrantes del grupo quieren decirle a Kiva y a Fundación Realidad “gracias por ayudarnos con los préstamos ya que estamos muy contentas por echarnos la mano y así poder lograr nuestros propósitos”. La señora Margarita T. Aragón es integrante del grupo Citlali, tiene 26 años de edad, estudio hasta el 3er. Año de secundaria tiene su certificado, tiene 1 hija que se llama Litzy Paloma de 7 años de edad está estudiando la primaria, ella solicito su préstamo para comprar hilo, pintura cochinilla y añil se dedica a realizar artesanías, rebosos, mañanitas, gabanes, morrales, gorras, bufandas, bolsitas para celular su negocio se llama artesanías de Hueyapan es un grupo de artesanos de San Felipe ella se integro al grupo hace 2 años, aprendió porque su mama le enseño a elaborar las prendas con telar de cintura y le intereso venderlos. El primer rebosos que realizo el hilo se lo regalo su mama vendió el rebozo e incremento para comprar más hilo y vio que si funcionaba la venta, su negocio está en San Bartolo, Hueyapan en su casa y le ha ayudado económicamente para la alimentación y para los gastos de su casa, También tiene un negocio en el centro en el mercado vende pollo por pieza o entero su esposo le ayuda en la venta de pollo y también le ayuda en el negocio de las artesanías sabe hacer las artesanías. Ella considera importante su negocio porque de ahí se mantiene y lo que más le gusta es cuando están terminadas las prendas porque están bonitos y si no se vuelven a cocer, su negocio le proporciona gran orgullo, realizar las artesanías y sobretodo que se lo enseño su mama, ella recuerda cuando vendió el primer reboso tenía una necesidad y la saco de apuros, sus clientes son los turistas que bienes de visita y los estudiantes que compran sus morrales, los desafíos que enfrenta son costos elevados en el hilo, la cochinilla y el añil, también la competencia hay más personas que realizan las artesanías, la ganancias del negocio las distribuye una parte para comer y otra para volver a invertir en comprar el material en Santa Ana, Puebla. La señora Margarita está planeando ampliar su negocio meter más producto lo mismo pero por mayoreo y sus sueños son tener más ventas, tener una tienda bien surtida y conocida de artesanía y lo piensa lograr por medio de los crédito y echándole ganas al trabajo. Hueyapan es de clima fresco, hay muchos árboles, se dan las frutas de tierra fría, peras, manzanas, tejocotes, membrillo, capulín, la vaina o caguinicul, el pueblo está cerca del volcán, esta la Iglesia que es una de las más antiguas y los turistas vienen a visitar la Iglesia.

Additional Information

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
  • 22
    View loans »
    Mexico Loans Fundraising
  • $19,052,100
    Funds lent in using Kiva
  • 12.3
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Citlali Group's $1,950 loan helped a member purchase of thread and cochineal and indigo dyes.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2010
Listed
Oct 28, 2010
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2011