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Para Siempre Group
In this Group: Emma , Jorgina Hernández Gallardo, Ernesto , Ricarda, Quintina , Maria Del Rocío, Eridia García López, Fredy , Celsa , Aurora, Josefina
This group is called “Forever”, and is located in the Tecoanapa Guerrero municipality. The members came up with the name because that is how long they want the group to last: forever. This story is about Emma G. H., given she is the representative of this group. She is 50 years old, and a widow with two children: Maria del Carmen, 22, and Genaro, who is 21. Both are in school; the oldest is in her second year of a Political Science degree, and the other is in his first year of studying for a teaching degree.

Emma dedicates herself to making and selling bread. She decided on this business because she says there is a lot of demand, and it generates a good income. In addition, she wanted to find a way to improve her and her family’s standard of living and to provide her children with an education.

She will invest the loan into purchasing more ingredients such as: sugar, lard, flour, yeast and eggs, so she can increase production, offer a greater variety of products and to increase her sales. She says that things are going very well with the business, so much so that she is putting aside some of her income to finish building the kitchen in her house and to continue supporting her children with their educations so they can embark on professional careers. She also continues to invest in her business.

She comments that her business is benefiting her neighbors a great deal, since there are not many people who do what she does nearby. Since she is close, they all buy from her. In addition, she provides excellent attention and services to her customers and offers her products at a good price.

Emma’s dream is to build a larger locale in her own house, so she can expand her business. She would like to open a bakery that she would have much better stocked so she could increase her earnings and pay for her children’s advanced degrees. She tells us that the members of the group are very responsible and punctual with their loan payments, since they have gotten to know each other, get along well, and are from the same community. For these reasons, they have never fallen behind or defaulted on their payments, as they don’t want to risk the trust that has been placed in them. She is very thankful to the Foundation and to Kiva for the support of the loan granted to her since, thanks to this, her business is improving a great deal and it has changed their lives.

The members of “Forever”, and the activities they carry out, are as follows:

Emma G. H. - Bread Sales

Jorgina H. G. - Bread Sales

Ernesto L. R.- Sale of Clothing

Ricardo R. R. - Candy Sales

Quintina G. V. - Bread Sales

Maria del Rocío L. M. - Sale of Chilate (a refreshing beverage of the region made from cacao, rice and sugar)

Eridia G. L. - Cosmetics Sales

Fredy S. H. - Poultry Sales

Celsa G. V. - Clothing Sales

Aurora M. M. - Sales of Sales

Josefina M. G. - Beverage Sales
View original language description ↓
Este grupo se llama: "Para Siempre", esta ubicado en el municipio de Tecoanapa guerrero, los integrantes del grupo decidieron ponerle este nombre puesto que eso es lo que ellos quieren que este grupo dure: para siempre.
Esta historia es acerca de la señora Emma G. H., ya que es la representante de este grupo, cuenta con 50 años de edad, ella es viuda, tiene 2 hijos, Maria del carmen de 22 y Genaro de 21 años de edad de los cuales los 2 estudian, la mayor esta cursando el segundo año de la licenciatura en ciencias políticas y el otro esta cursando el primer año de la carrera de maestro, Emma se dedica a la elaboración y venta de pan.
Doña Emma se decidió por este negocio, ya que dice tiene mucha demanda y deja muy buenas ganancias, aparte de que quería buscar la forma de mejorar su calidad de vida y la de su familia, también para darles una buena educación de sus hijos, ella invirtirá su crédito en la compra de mas insumos como son: azúcar, manteca, harina, levadura y huevos y así tener una mejor producción y mas variedad de productos, para incrementar un poco mas sus ventas.
Ella dice que le está yendo súper bien con su negocio, tanto que esta empezando a ahorrar parte de las ganancias obtenidas de su negocio, para terminar de construir la cocina de su casa y para seguir apoyando a sus hijos con sus estudios para que terminen su carrera profesional, también sigue invirtiendo en su negocio.
Comenta que su negocio ésta beneficiando mucho a los vecinos de su colonia, ya que no hay muchas personas que se dediquen a esta actividad ahí cerca, así que como es la única que vende ahí y esta mas cerca, todos le compran a ella, aparte de la excelente atención y servicio que les brinda a sus clientes, además de sus buenos precios.
El sueño que tiene doña Emma es el de construir un local mas grande ahí mismo en su casa para ampliar un poco mas su negocio, ya que quiere poner una panificadora, para así tenerla mucho más surtida, para obtener mas y mejores ingresos y así poder continuar apoyando a sus hijos con sus estudios superiores, para que tengan una muy buena profesión.
Nos dice que los integrantes de su grupo, son personas muy responsables y pagadoras ya que tienen tiempo de conocerse y se llevan muy bien, aparte de que son de la misma comunidad, es por eso que en ninguna ocasión se han atrasado o dejado de pagar su crédito, ya que no quieren defraudar la confianza que la empresa ha depositado en ellos.
Ella esta muy agradecida con fundación realidad y kiva por el apoyo del préstamo que le otorgaron ya que gracias a esto su negocio esta mejorando mucho y su vida y la de su familia también esta cambiando.
Los integrantes de para siempre y las actividades a las que se dedican son las siguientes:
Emma G. H.-venta de pan
Jorgina H. G.-venta de pan
Ernesto L. R.-venta de ropa
Ricardo R. R.-venta de dulces
Quintina G. V.-venta de pan
Maria del Rocío L. M.-venta de chilate (bebida refrescante típica de la región echa de cacao, arroz y azucar)
Eridia G. L.-venta de cosméticos
Fredy S. H.-venta de pollos
Celsa G. V.-venta de ropa típica
Aurora M. M.-venta de antojitos
Josefina M. G.-venta de refrescos

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
  • 23
    View loans »
    Mexico Loans Fundraising
  • $18,615,650
    Funds lent in using Kiva
  • 12.4
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Para Siempre Group's $3,875 loan helped a member to purchase lard, sugar, eggs, flour and yeast.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 3, 2010
Listed
Dec 20, 2010
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2011