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Juarez Group
In this Group: Rogelia, Ana Laura, Marisol, Gabriela
This communal bank is called "Juárez" and is located in the San Andrés Cuauhtempan community in Tlayacapan, which is in the state of Morelos, México. This group is composed of 4 members who all know each other and are neighbors. Gabriela A. Garcés is a member of the group. She is 39-years-old and lives in a common law marriage. Her husband works in the fields. She completed her studies up until the 3rd year of secondary school and she has her secondary school certificate. She has two sons named Cesar (15-years-old and in secondary school) and Miguel Ángel (8-years-old and in 2nd grade). She has requested a loan to buy fertilizer to grow corn as well as to plant corn. On the weekends, she sells corn, chicarrones [pork rinds], and chicken feet.

She buys her merchandise in the Cuautla supply center and in the main squares of Tlayecac and Yautepec. She began this business 9 years ago. She did not know how to do anything but necessity made her work and since none of her neighbors were selling, she decided to sell corn and chicharrones. In the beginning she sold very little, but now people buy more from her. The majority of people in the town plant corn and although her sales decrease on the weekends during corn harvest season, she sells corn in the town centers. Her business is located in her home in San Andrés Cuauhtempan, Tlayacapan. She considers this business important because each week it helps her with family expenses such as food and milk as well as school expenses for her children. She is not lacking the most necessary items. The most gratifying thing for her is serving her customers because it distracts her. When she's not selling, she feels sad. Her customers are her neighbors and residents of other neighboring communities that come to buy her corn. She uses her business earnings to buy school materials and uniforms for her sons. With her earnings, she improves the quality of the food that she gives to her family.

Gabriela is planning to expand her business, since she would like to sell sweets and cakes, and wants to open a location in a room that she plans to set up, with a door that opens out to the street. She wants to put up a ceiling and set everything up so that it's an attractive place. She plans to achieve this with the loans since she pays them little by little. This business has helped her family in the past and it continues to help them. She does not plan to stop and wants to continue saving for when she is older. "Children live their lives and do not take care of their parents once they're grown," Gabriela tells us.

She is very happy with this loan because they approved her. She wants her sons to pursue their careers or technical vocations. San Andrés Cuauhtempan, Tlayacapan is a town with a cold climate. They are still planting and there is a festival in San Andrés on November 30th. All the families make food and expect visits from people who come from other towns. The members of this group are: Rogelia M. R. (who is going to buy fertilizer with her loan to plant nopal), Ana Laura S. Díaz (who is going to buy oil for her equipment), Marisol C. A. (who is going to buy corn to plant and sell it by the ton, etc.), and Gabriela A. Garcés (who is going to buy fertilizer and seeds to plant corn). The group members would like to tell Kiva and Fundación Realidad “to continue supporting us with more loans in order to improve our businesses and sowing season."
View original language description ↓
Este grupo solidario se llama "Juárez" está ubicado en la comunidad de San Andrés Cuauhtempan, Tlayacapan, en el estado de Morelos, México, este grupo está conformado por 4 integrantes que se conocen y son vecinas. La señora Gabriela A. Garcés es integrante del grupo, ella tiene 39 años de edad, vive en unión libre, su esposo trabaja en el campo, ella estudio hasta el 3er. Año de secundaria tiene su certificado de secundaria, tiene dos hijos se llaman Cesar de 15 años de edad está estudiando la secundaria y Miguel Ángel tiene 8 años de edad estudia el 2º. Año de primaria, ella solicitó su préstamo para comprar abono para el cultivo de maíz, además de sembrar maíz ella tiene un negocio los fines de semana de venta de elotes, chicharrones y patitas de pollo.
Ella compra su mercancía en la central de abastos de Cuautla y en las plazas de Tlayecac y Yautepec, este negocio lo inicio hace 9 años ella no sabía hacer nada pero la necesidad le hizo que trabajara y como nadie de sus vecinos vendía ella decidió vender elotes y chicharrones al inicio vendía muy poco, ahora ya le compran mas, la mayoría en éste pueblo siembra maíz y aunque en la temporada de cosecha del maís sus ventas de fines de semana bajan, ella vende sus elotes en las centrales, su negocio está en su casa en San Andrés Cuauhtempan, Tlayacapan, este negocio lo considera importante porque cada semana le ayuda para los gastos de su familia para la alimentación, su leche, su comida y los gastos de la escuela de sus niños y no le falta el dinero para lo más indispensable, su gran satisfacción es atender a sus clientes por que se distrae, cuando no vende se siente triste, sus cliente son sus vecinos y habitantes de otras colonias vecinas que van a comprar sus elotes, las ganancias del negocio las utiliza para comprar el material de la escuela y los uniformes de sus hijos. Tambien con las ganancias aumenta la calidad de los alimentos que le da a su familia.
Gabriela está planeando ampliar su negocio ya que quiere vender dulces, tortas, quiere abrir un local en un cuarto y piensa acondicionarlo abrir puerta a la calle, poner el techo y acondicionarlo para que se vea bonito esto lo piensa lograr con los créditos ya que los va pagando poco a poco, este negocio le ha ayudado a su familia y le sigue ayudando y no lo piensa dejar quiere ir ahorrando para cuando ya sea una persona mayor, "los hijos hacen su vida y no cuidan de los padres cuando crecen", nos dice Gabriela.
Ella está muy feliz con este préstamo porque la aceptaron, ella quiere que sus hijos logren su carrera o una carrera técnica. San Andrés Cuauhtempan, Tlayacapan es un pueblo de clima frio, siembran todavía y hay una fiesta de San Andrés el 30 de Noviembre todos las familias hacen comida y esperan las visitas de personas de otros pueblos. Las integrantes del grupo son: la señora Rogelia M. R. va a comprar con su crédito abono y fertilizantes para su siembra de nopal, la señora Ana Laura S. Díaz va a comprar aceites par sus maquinas, la señorita Marisol C. A. va a comprar maíz para sembrar y venderlos por tonelada etc. La señora Gabriela A. Garcés va a comprar abono, semillas para sembrar maíz. Las integrantes del grupo quieren decirle a Kiva y Fundación Realidad “que nos sigan apoyando con más préstamos para mejorar los negocios y las siembras.

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
  • 15
    View loans »
    Mexico Loans Fundraising
  • $17,541,650
    Funds lent in using Kiva
  • 12.2
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Juarez Group's $1,000 loan helped a member purchase of fertilizer to grow corn.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 8, 2010
Listed
Nov 11, 2010
Currency Exchange Loss:
Possible
Ended:
Feb 15, 2011