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El Jardin (Flat) Group
In this Group: Bibiana, Florentina, Marcela, Maria Felix, Gregoria , Paula , Nora
This group is called El Jardín (The Garden) and is located in the community of Marcelino Rodríguez, Axochiapan in the state of Morelos, Mexico. It consists of seven female members who know each other and are neighbors. The members are Bibiana Hernández Hernández, who is planning to use her loan to purchase refreshments, tortillas, bread, mayonnaise, peppers, ham, meats, cheese, and other items to make her meals. Florentina Hernández Hernández plans to purchase refreshments, candies, bread, ham, corn, vegetables and tortillas to prepare her Mexican cuisine. Marcela M. P. plans to purchase sugar, oil, detergent, soups, refreshments and other items to stock her business. María Félix Martínez F. plans to purchase some sheets and bedspreads to fulfill her orders. Gregoria Hernández G. plans to purchase live pigs to butcher and sell meat by the kilo. Paula Díaz M. plans to purchase fertilizer for her crops. Nora Díaz Mejía plans to purchase fabrics, thread, zippers, yarn and other items for her seamstress business.

Nora is 37 years old and is a high school graduate. She is married and her husband comes from the country. They have three children: Alejandro is 16 years old and is in his third semester of college; Fernanda is 14 years old and is a junior in high school; and Rafael is 6 years old and in primary school. She has a sewing shop and is requesting the loan to purchase sewing supplies, and she also plans to buy a uniform for her son so he can march in the Nov. 20th parade. She started her business 20 years ago when she was 17 years old. She learned the craft from taking sewing courses in her village, and 10 years ago she and her sisters went to the local vocational school to take painting lessons. Now all her sisters also know how to paint. Her husband bought her a sewing machine and little by little she bought some paints and fabrics. She runs her business out of her home in Marcelino Rodríguez, Axochiapan. Her business is important because it allows her to help a little with household expenses and doesn't put everything on her husband. What she enjoys most about her work is when she finishes a job and it comes out beautiful, and she feels stimulated to keep making her garments. She knows that although she is a woman she can stand on her own, and she feels proud when her children tell her she does beautiful work. Her daughter has always been interested in helping her, and started making handkerchiefs. Now she keeps making them bigger and prettier. Nora's customers are her friends, neighbors, acquaintances and friends of her daughter, for whom she makes dresses for the school dances. Currently she has about 10 customers. It's a small amount because she is helping her mother at her food stand making Mexican cuisine in the mornings and on the weekends during the months of October, November and December, which is the busiest time of year for her mother's business. Nora's business has competition since there are a lot of people who make a living in sewing, but there is always a way to make money. With her profits she plans to buy some paintings, thread, and save some in case there is an emergency and her family needs a doctor or cover school expenses. She is planning to expand her business, taking out some textile painting jobs with Christmas themes as well as offering Christmas-themed cushions, handkerchiefs, curtains and table cloths. Marcelino Rodríguez is a village that was formed by plantation workers, and their pottery and antiques still remain. Nora's business has helped her family financially and she is able to paint in her spare time. Her biggest desire is to make improvements to her home by building a door opening up to the street and remodeling a room for her sewing and painting shop. Her dreams are to expand her business and have an industrial sewing machine. She wishes to be able to help provide for her children's education so they can become professionals. Nora feels happy and committed to this loan because she plans to stock up on sewing and painting supplies in order to make cushions, handkerchiefs and curtains with pictures of Christmas, Baby Jesus and the Virgin Mary.

The members of this group want to tell Kiva and Fundación Realidad that "we are grateful for the support we are receiving and have confidence we will grow together."
View original language description ↓
Este grupo solidario se llama El Jardín está localizado en la comunidad de Marcelino Rodríguez, Axochiapan, en el estado de Morelos, México, está conformado por 7 integrantes mujeres que se conocen y son vecinas, las integrantes del grupo son la señora Bibiana Hernández Hernández va a comprar con su préstamo refrescos, tortillas, pan, mayonesa, chiles, jamón, carnes, queso, etc. Par elaborar sus alimentos, la señora Florentina Hernández Hernández va a comprar refrescos, dulces, pan, jamón, maíz, verduras, tortillas, para preparar su comida para sus antojitos mexicanos, la señora Marcela M. P. va a comprar azúcar, aceite, detergente, sopas, refrescos, etc. Para surtir su negocio, la señora María Félix Martínez F. va a comprar algunas sabanas y colchas para surtir sus pedidos, la señora Gregoria Hernández G. va a comprar puercos vivos para matanza y vender la carne por kilo, la señora Paula Díaz M. va a comprar abono, esfoyares para la siembra, la señora Nora Díaz Mejía va a comprar telas, hilos, sierres, puntas, estambres para empezar con su negocio de taller de costura. La señora Nora Díaz Mejía es integrante del grupo El Jardín, ella tiene 37 años de edad, estudio hasta el 3er. Año de secundaria tiene su certificado, ella es casada su esposo es campesino, tienen 3 hijos Alejandro tiene 16 años estudia el 3er. Semestre del CECYTE, Fernanda tiene 14 años estudia el 3er. Año de secundaria y Rafael tiene 6 años estudia la primaria, ella tiene su taller de costura y solicito su préstamo para comprar telas, encajes, puntas, estambres, bies, hilos, pintura textil y va a comprar el uniforme de física de su hijo para el desfile del 20 de noviembre, ella inicio su negocio hace 20 años en la costura cuando tenía 17 años aprendió por medio de las brigadas que van enseñando en los pueblos cursos de costura y hace 10 años fueron del CECATEM a dar cursos de corte y pintura ella y sus hermanas asistieron a ese curso todas sus hermanas saben corte, su máquina de coser de motor se la compro su esposo y después poco a poquito compro las pinturas y las telas su negocio está en su casa en Marcelino Rodríguez, Axochiapan. Su negocio es importante porque puede ayudar un poco con los gastos de la casa y no le deja toda la carga a su esposo, lo que más le gusta del negocio es cuando ve terminado su trabajo y lo ve bonito se siente estimulada a seguir haciendo las prendas y sabe que aunque es mujer puede valerse por sí misma, se siente orgullosa cuando sus hijos le dicen que le quedo bonito y que a su hija le nace la inquietud de ayudarle tiene sus servilletas que su hija va haciendo y ahorita que esta mas grande le quedan más bonitas, ella está orgullosa con su negocio porque lo que gana la saca de apuros el guardadito que puede hacer la saca de apuros, sus clientes son sus comadres, vecinas y conocidos y compañeros de sus hijos que les hace los vestidos para los bailables de la escuela como ropa de manta, sacos, pantalones, faldas de Adelita, blusas con bordados. Ahorita tiene aproximadamente como 10 clientes son pocos porque le va a ayudar a su mama en el puesto de antojitos Mexicanos hacen dobladitas, sopes y gorditas en las mañanas y los fines de semana en el mes de octubre, noviembre y diciembre es cuando hay más clientes en el puesto de su mama. su negocio enfrenta la competencia que hay más personas que se dedican a la costura pero para todos sale el sol siempre y cuando estemos trabajando y echándole ganas, con las ganancias compra algunas pinturas que se le van terminando, hilos, para alguna emergencia del hogar para doctor o para gastos de la escuela. Ella está planeando ampliar su negocio sacando unos trabajos de pintura textil con dibujos de navidad y ofreciéndolos por temporada de navidad como cojines, servilletas, cortinas, manteles. Marcelino Rodríguez es un pueblo que se formo con la gente que llegaba a trabajar a la Hacienda y se quedaba ya establecida, en esta hacienda era territorio de comercio de los antepasados hay restos de vasijas y piezas antiguas. Este negocio si le ha ayudado a su familia en lo económico en lo recreativo se entretiene realizando la pintura, las mejoras que desea hacer a su vivienda son abrir una puerta que dé a la calle y remodelar un cuartito que hay para su taller de costura y pintura, sus sueños son agrandar el negocio y tener una maquina industrial, las mejoras que desea lograr para el futuro de sus hijos son ayudarles a sostenerse en sus estudios para que tengan una profesión. La señora Nora se siente feliz y comprometida con este préstamo que le proporcionan por qué se va a surtir de sus materiales para la costura y la pintura y elaborar sus cojines, servilletas y cortinas decorados con dibujos de navidad y del niño Jesús de la Virgen María y de San José. Las integrantes del grupo quieren decirle a Kiva y a Fundación Realidad “que estamos agradecidas con los apoyos que recibimos y que tengan la confianza en nosotros para crecer juntos”

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
  • 7
    View loans »
    Mexico Loans Fundraising
  • $17,804,525
    Funds lent in using Kiva
  • 12.3
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Jardin (Flat) Group's $2,625 loan helped a member purchase fabrics, lace, thread, textile paint and other sewing supplies.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 4, 2010
Listed
Nov 19, 2010
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2011