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Jazmin Group
In this Group: Petra, Jorgina, Margarita, Maria Myriam, Irene
This communal bank is called “Jazmín”. It is located in San Pedro neighborhood in Acteopan, in the state of Puebla, Mexico. It has 5 female members who know each other and are neighbors. Mrs Irene C. A. is the group's representative. She is 63 years old and didn't go to school. She has 5 children: Minerva who is 28; Ángeles, 38; Santos Mario, 27; Simón, 25 (a potter who makes earthenware cooking pots and jugs) and Luis Yovani, 14 (who is at high school and also helps serve customers, put clay in bags and sell it by the kilo).

The other members of the group are:

** Petra A. M. who will use her loan to buy clay to make cooking pots to then sell them unfired.
** Jorgina B. T. who will buy firewood to fire the earthenware because she has none left.
** Margarita M. V. who will buy firewood, white clay and clay to make earthenware pots and jugs.
** María Myriam Guzmán C. who will buy oil, sugar, rice, sweets, juice etc. for her quesadilla business
** Irene C. A. who will buy pots, firewood and clay to stock her business

The members of the group would like to say to Kiva and Fundación Realidad “Many thanks for your support and for having faith in us. We are going to work hard so that we do not let you down”.

Irene has a business buying and selling different types of clay, earthenware pots, jugs, candlesticks and decorations for the home. She is requesting her loan to buy more of these products in order to stock her business. She also wants to finish building her house, installing a cement roof and floor, windows and doors, and plaster the walls so that she can go round and fix it up nicely.

Irene set up her business 4 years ago. She learned about her business out of necessity. She had children in school and she didn't have any money. Her husband went to the United States to work but had little work. The little money that he earned he saved.

She started off selling packages of earthenware. She started out with 5 packages and was approached by a customer who bought it all and kept buying from her. The family didn't spend the money but used it to keep buying and selling. They invested the money in buying more earthenware. The money she received from her husband in the US covered their food expenses.

Irene's business is located in her house in San Marcos, in the state of Puebla. Her business is very important to her because it means she has money to give to her son who is studying at high school and needs books and other material. Irene likes making earthenware pots and she also likes to buy so that she has more stock which is well displayed and so that she can provide her customers with everything they require. She is very happy with everything that she sells.

Irene's provider in Puebla sells her clay on credit, giving her 15 or 20 days to pay. Her customers are from all over San Bartolo and Santa Maria. They buy clay from her by the kilo and buy the pots and jugs in bulk. Her business is popular because everybody knows her. It has no competition. Although everybody in San Marcos is in the pottery business, customers all know where to buy from. Irene's profits are re-invested in buying more earthenware and clay.

Irene's husband also now works. He sells earthenware products in the market in Tenancingo in the state of Mexico and to other businesses. Between this and the pottery store, they have money for food and to cover household expenses. Irene would like to expand her business, fix it up and stock it well but right now she can't because her own home isn't finished yet, so it is currently in her son's home. She plans install a type of gallery in her store and fix the pottery store the way she wants it. She hopes to achieve this by working and with her profits.

The 'fiestas patronales' (celebrations for the feast day of a town's patron saint) are very pretty in San Marcos. The 2nd Sunday in January is the 'Dulce Nombre de Jesús' (Sweet Name of Jesus) fiesta. There are religious masses and 'chinelos' (traditional dances). The 25th and 26th of April is the date for the San Marcos fiesta.

Irene comments that her business has helped her to improve her family's lives. Her dreams are to see her house finished and to set up her gallery in her store so that everything is well displayed. She wants to stock it well and see it grow. She is very happy to receive this loan. It will help improve her children's future and help them to get ahead. She intends to achieve her goals through effort, hard work and this loan which is helping them a lot. She is happy to know that there are people such as yourself who will help her to achieve her dreams.
View original language description ↓
Este grupo solidario se llama "Jazmín", se encuentra localizado en Barrio San Pedro, Acteopan, en el estado de Puebla, México, este grupo está conformado por 5 integrantes mujeres que se conocen y son vecinas, la señora Irene C. A. es la representante del grupo, ella tiene 63 años de edad, no fue a la escuela, tiene 5 hijos ellos son Minerva de 28 años de edad, Ángeles de 38 años de edad, Santos Mario tiene 27 años de edad, Simón tiene 25 años de edad trabaja la alfarería elabora cazuelas, ollas, jarros, Luis Yovani tiene 14 años está estudiando la secundaria y también le ayuda a atender a los clientes, a poner la greta en bolsas para venderla por kilo.
Las integrantes del grupo son:
**Petra A. M. y va a comprar con su crédito barro para elaboración de sus ollas, cazuelas, para venderlas crudas.
**Jorgina B. T. va a comprar leña para quemar la loza por que ya se le termino.
**Margarita M. V. va a comprar leña, greta, barro para la elaboración de las cazuelas y jarros.
**María Myriam Guzmán C. va a comprar aceite, azúcar, arroz, dulces, jugos etc. para elaboración de las quesadillas.
**Irene C. A. va a comprar ollas, cazuelas, leña, greta para surtir su negocio porque también vende leña. Los integrantes del grupo quieren decir a Kiva y a Fundación Realidad, “muchas gracias por el apoyo, por confiar en nosotros y vamos a trabajarlo para no quedar mal”. La señora Irene tiene su negocio de compra-venta de greta y loza ollas, cazuelas, jarros, candeleros, sumerios y ornatos para el hogar, ella solicito su préstamo para comprar greta, ollas, cazuelas, jarros, candeleros, sumerios y ornatos para tener surtido su negocio, también quiere terminar su casa poner el techo de loza, el piso, las ventanas y las puertas y revocar las paredes para que ya se pueda pasar a su casa y arreglar bonito su local. La señora Irene inicio su negocio hace 4 años aprendió lo del negocio por necesidad, tenía hijos en la escuela y no tenía dinero, su esposo se fue a los estados unidad a trabajar pero tenía poco trabajo lo poco que ganaba lo ahorraba comenzó con bultos de loza con 5 bultos me alcanzaba llego un cliente que le compro todo y fue comprando mas y no lo gastaba seguía comprando y sus hijos le entendían no compraban todo lo ahorraban los voy invirtiendo en loza, lo que mandaba su esposo de los estados unidos lo ocupaba para los alimentos y los puerquitos, su negocio está en su casa en San Marcos, estado de Puebla, su negocio es importante porque tiene dinero para darle a su hijo que está estudiando la secundaria, para material, libros y le gusta trabajar elaborando las ollas y las cazuelas y le gusta comprar para que se vea mas y se vea bien y no les falte lo que los clientes pidan, está muy contenta con todo lo que ella vende, su proveedor de Puebla que le surte la greta le da crédito de 15 o 20 días para pagar, sus clientes son de todos los lugares de San Bartolo, Santa Maria, le compran por kilo la greta y por bulto las cazuelas, las ollas, los jarros. Su negocio es popular porque todas las personas lo conocen, su negocio no tiene competencia aunque en San Marcos todos se dedican a la alfarería cada cliente sabe donde compra, las ganancias los utiliza invirtiendo comprando mas loza y en la greta, su esposo también trabaja sale a vender al mercado de Tenancingo, estado de México y en otros negocios la alfarería y el aporta para la alimentación y para los gastos de la casa, ella quiere ampliar el negocio arreglar y surtirse pero ahorita no puede porque no es su casa es de su hijo, ya que su casa esté terminada se va a cambiar y va a poner su tienda tipo galería y arregle la alfarería como ella quiere y lo piensa lograr trabajando y con las ganancias. En el Pueblo de San Marcos nadamas siembran en temporada de lluvia casi todos se dedican a la alfarería, son bonitas las fiestas patronales el 2º domingo de Enero se festeja el Dulce Nombre de Jesús, hay misas, chínelos, baile, el 25 y 26 de Abril es la fiesta de San Marcos. La señora Irene comenta que este negocio le ha ayudado a sacar a su familia adelante y sus sueños son ver terminada su casa para arreglar todo lo que falte y poner el local de loza tipo galera para que se vea bien y surtirla y verla crecer. Ella está muy contenta con este préstamo que le proporcionan, las mejoras para el futuro de sus hijos son que salgan adelante y que aprendan lo que ella está realizando y lo piensa realizar echándole ganas, trabajando y este préstamo que nos eta ayudando está muy contenta al saber que hay personas como ustedes que le ayudan a lograr sus sueños.

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

  • $11,249
    Average annual income
  • 11
    View loans »
    Mexico Loans Fundraising
  • $18,125,250
    Funds lent in using Kiva
  • 12.3
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Jazmin Group's $1,475 loan helped a member purchase of clay, earthenware pots, jugs, candlesticks and decorations for the home.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 12, 2010
Listed
Nov 5, 2010
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2011