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La Union De Jaloxtoc Group
In this Group: Eufracia, Martina Floriberta , Estela , Juana, Angela, Maria , Graciela Silvia , Flavia Paula
This group is called "La Unión de Jaloxtoc" and it can be found in the community of Jaloxtoc, Ayala City, in Morelos state, Mexico. This group is comprised of eight women who know one another and are neighbors. The members of the group are:

Eufracia P. P. - she is going to use her loan to buy ham, soft drinks, sugar, eggs, milk, and beans to stock her business.

Martina Floriberta Vásquez Zalazar - she is going to buy ham, sugar, oil, milk, cookies, sweets, and beans to stock her business.

Estela B. H. - she is going to buy women's undergarments like bikinis, panties, and bras to start her business.

Juana H. López - she is going to buy soft drinks, bread, ham, mayonnaise, avocado, and chilies in vinegar to prepare the sandwiches she sells.

Ángela H. López - she is going to buy soft drinks, tortillas, meat, chilies, radishes, and tomatoes for preparing tacos.

María H. López - she is going to buy women's undergarments, blouses, pants, sweaters, etc. to start her business.

Graciela Silvia M. C. - she is going to buy clothing like blouses, pants, shirts, and skirts to start her business.

Flavia Paula C. Pérez - she is going to buy chickens to sell by the piece or whole.

Ms. Eufracia P. P. is the group representative for La Unión de Jaloxtoc. She is 58 years old and studied through the sixth grade of primary school. She has her certificate. She is married and has two children: Yasmin, 32, is a teacher and is married; and Christian, 25, is single and works.

She is requesting a loan to stock her grocery store. She will buy ham, oil, soft drinks, sugar, eggs, milk, flower, rice, beans, potato chips, marinades, and Gamesa brand cookies. Her store is called "Abarrotes Yasmin" ["Yasmin's Groceries"] and she offers her clients products like ham, potato chips, sweet breads, soft drinks, cookies, chocolates, sweets, eggs, oil, sugar, flour, and rice. She started her business 35 years ago out of economic necessity. She didn't have enough money so she started buying products little by little, and her husband gave her money so she could start selling a little. Her sales increased and she invested more until her store was better stocked. Her store is located in her house on Miguel Hidalgo Street in Jaloxtoc.

Ms. Eufracia is excited about this loan, which she is taking out because it will make it possible for her to better stock her store. Her business is important because it is how she puts food on the table. Her favorite part of her work is when she makes sales and has money. She is proud because her store was the first in her area. Before, there wasn't any such business. Her customers are her neighbors, children, women, and young people. Her business is popular because she has been running her store for a long time. The challenges she faces include higher costs, periods when there are few sales, and the competition, as now there are more businesses than just hers.

She reinvests the profits from her business. Her husband and son also take part in the business by helping tend to customers. Ms. Eufracia's business has helped her family economically and helped them to eat more nutritiously.

She would like to make improvements to her home, including adding aluminum detailing to the second floor. Her dream is to be able to fix her house up well so that it is attractive. She also hopes that her children will be happy and that they will have professional careers. Her daughter is a teacher and her son is an engineer.

The members of La Unión de Jaloxtoc Communal Bank would like to say the following to Kiva and Fundación Realidad: "We thank you and you are people who support many individuals so that they can progress their businesses. Thank you for caring for us in the moments when we need you most."

Jaloxtoc, where they live, is beautiful. A stream passes through and there are two pools with fish. People plant onion, corn, cilantro, and beans.
View original language description ↓
Este grupo solidario se llama "La Unión de Jaloxtoc", se encuentra localizado en la comunidad de Jaloxtoc, Cd. Ayala, en el estado de Morelos, México, este grupo está conformado por 8 integrantes mujeres que se conocen y son vecinas, las integrantes del grupo son Eufracia P. P. va a comprar con su crédito jabón, refrescos, azúcar, huevo, leche, frijol para surtir su negocio, la señora Martina Floriberta Vásquez Zalazar va a comprar jabón, azúcar, aceite, leche, galletas, dulces y frijol para surtir su negocio, la señora Estela B. H. va a comprar ropa interior de dama bikini, pantaletas, brasear para iniciar su negocio, la señora Juana H. López va a comprar refrescos, pan, jamón, mayonesa, aguacate, chiles en vinagre para preparar las tortas que vende, la señora Ángela H. López va a comprar refrescos, tortillas, carne, chiles, rábanos, tomates, jitomates para preparar los tacos, la señora María H. López va a comprar ropa interior para dama, blusas, pantalones, suéter etc. para empezar con su negocio, la señora Graciela Silvia M. C. va a comprar ropa blusas, pantalones, camisas, faldas par empezar con el negocio, la señora Flavia Paula C. Pérez va a comprar pollo muerto par venderlo por pieza o entero.
La señora Eufracia P. P. es la representante del grupo La Unión de Jaloxtoc, ella tiene 58 años de edad estudio hasta el 6º. Año de primaria tiene su certificado, ella es casada y tiene 2 hijos Yasmin de 32 años de edad es maestra y es casada, Christian tiene 25 años de edad es soltero y trabaja, ella solicita un préstamo para surtir su tienda de abarrotes va a comprar jabón, aceite, refrescos, azúcar, huevos, leche, harina, arroz, frijol, harina, papas fritas, marínela, Gamesa, su tienda se llama abarrotes Yasmin, y ofrece a sus clientes jabón, papas fritas, pan dulce, refrescos, galletas, chocolates, dulces, papas fritas, huevos, aceite, azúcar, harina, arroz, este negocio lo inicio hace 35 años por necesidades económicas no alcanza el dinero, fue comprando poco a poco, su esposo le dio para comprar y comenzó vendiendo poquito y fue aumentando, fue invirtiendo hasta que la tienda estaba más surtida, su tienda esta en Jaloxtoc en su casa en Miguel Hidalgo No. 107. Ella está emocionada con el préstamo que le hacen porque va a poder surtir su tienda. Su negocio es importante porque de ahí sale para ir comiendo, la parte favorita de trabajar en este negocio es cuando hay ventas y tiene dinero, ella está orgullosa de que en ese lugar fue la primer tienda en este lugar no había ningún negocio, sus clientes son los vecinos, los niños, las señoras, los jóvenes. Su negocio es popular porque ya tiene mucho tiempo trabajando la tienda, los desafíos que enfrenta el negocio son los costos elevados, cuando no hay ventas y la competencia, ya que hay mas negocios junto al suyo.
Las ganancias del negocio las invierte otra vez, toman parte de su negocio su esposo y su hijo le ayudan a atender a los clientes, su negocio le ha ayudado en lo económico para mejorar la alimentación, las mejoras que desearía hacer a su vivienda son poner la cancelería al 2º. Piso, sus sueños son poder arreglar bien su casa para que esté bonita y las mejorías que desea para sus hijos son que sean felices ya que tienen su carrera su hija es maestra y su hijo es ingeniero. Las integrantes del grupo quieren decirle a Kiva y a Fundación Realidad “Les damos las gracia, y que hay personas que apoyan a mucha gente a salir adelante en los negocios, gracias por preocuparse por nosotros en los momentos que más lo necesitamos”. Jaloxtoc, es bonito donde vivo pasa un arroyito, siembran cebolla, maíz, cilantro, ejote y tienen 2 jagüeyes que tienen pescados.

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
  • 12
    View loans »
    Mexico Loans Fundraising
  • $17,551,825
    Funds lent in using Kiva
  • 12.4
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of La Union De Jaloxtoc Group's $2,925 loan helped a member to buy ham, sugar, eggs, milk, beans, potato chips, cookies, and bread to stock her store.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 15, 2010
Listed
Dec 25, 2010
Currency Exchange Loss:
Possible
Ended:
May 15, 2011