This photo was taken in Mrs Camerina Z. S.'s business where she hand makes tortillas. Camerina is a member of the “Las Industriales” group which is located in the Industrial district of the city of Tehuacan, in the State of Puebla, in Mexico. You can see the group to which Camerina belongs. The group's name is a reference to the district in which they meet. You can see the premises where Camerina prepares the tortillas which she sells. She started her business six years ago. Camerina is requesting a loan to buy corn and gas. Her customers like to buy from her because she sells for a good price and because her tortillas are good quality, as well as always being warm and hygienic. Her kindness and good service have increased her customer base.
At the moment of requesting this loan, Camerina feels happy and grateful for the trust which has been placed in her and her friends. She is 34 years old and studied up to the sixth year of elementary school. She is married and has two children, a girl and a boy aged 12 and 3. One of her family projects is to finish building her home.
La foto fue tomada en el negocio de tortillas hechas a mano de la sra Camerina Z. S. Una integrante del grupo Las industriales, que está ubicado en la colonia Industrial, de la ciudad de Tehuacan en el estado de Puebla en México. Se ve el grupo al que pertenece y que lleva su nombre alusivo a la colonia en la que se reunen, se ve el local donde la señora elabora las toritillas que se dedica a vender, ella inició este negocio hace seis años, solicita el prestamo para la compra de maiz y gas. Sus clientes prefieren comprar con ella por que da a buen precio y que son tortillas de muy buena calidad ademas de estar siempre calientitas e higienicas, su amabilidad y atención han hecho crecer su clientela . Al momento de solicitar su credito ella se siente contenta y agradecida por la confianza que se deposita sobre ella y sus compañeras. Tiene 34 años de edad y estudio hasta el sexto año de primaria es casada y tiene dos hijos una mujer y un varón de doce y tres años. Dentro de sus proyectos familiares ella quiere terminar la construcción de su casa.
This 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.