Matilde Melina H. R. is 33 years old, studied until high school, and is a bread maker. In total, she has 2 children: one girl and one boy. Matilde has been making bread for 6 years. She is requesting a loan to buy ingredients so that she can accommodate all of her customers' orders. Her neighbors and customers say that they are very pleased to buy bread from her and that it is very tasty. They love her rolls, which is what she sells the most of. Customers prefer her business due to its cleanliness and for the good flavor of her breads. Matilde's business is at the entrance to the community and for this reason, she says her sales are improving consistently.
At the moment, as she requests this loan, Matilde feels happy. She wants this loan to buy necessary items like sugar, flour, egg, flavorings, and other ingredients, in order to fill the orders she has so far for the upcoming holidays of Las Posadas [a nine-day celebration leading up to Christmas], Christmas Eve, and Christmas. She has also promised orders already for the Epiphany celebration in January.
Matilde hopes to give her children a life and education of dignity, as she does not have the support of their father, who abandoned them 10 years ago. She hopes to continue moving forward like she has so far, and to continue to be proud and a good example for her children.
Matilde Melina H. R. Tiene 33 años, estudió hasta la preparatoria y es panadera. Ella tiene en total 2 hijos; 1 mujer y 1 varón. Matilde se dedica a la elaboración de pan que inició hace 6 años. Solicita el préstamo para comprar materia prima para complacer los pedidos de clientes, los vecinos y clientes de ella comentan que están satisfechos con la compra de pan y que es muy rico, les encantan los roles es lo que más vende, la preferencia de clientes a su negocio es por la limpieza y el buen sabor, el negocio está a la entrada de la comunidad por ello sus ventas ella comenta son cada vez más buenas. Al momento de solicitar este préstamo se siente feliz. Quiere este crédito para comprar lo necesario en azúcar, harina, huevo, saborizantes entre otros para cumplir con los pedidos que hasta ahora tiene por las fechas que se acercan de posadas navideñas para la noche buena y navidad, con ello también garantiza ya los pedidos de rosca de reyes en enero. Ella desea darles una vida y educación digna a sus hijos ya que no tiene apoyo del padre de ellos quien los abandono hace 10 años, desea salir adelante como hasta ahora y seguir siendo el orgullo y buen ejemplo de sus hijos.
About CrediComunThis 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.
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