This group is called "Azucenas de San A." ["Lilies of San A."] because the women in this group really like that type of flower and because the group is located in the community of San A. in Mexico state. The group is comprised of 10 members. Cristina A. is one of them. She is 57 years old and sells vegetables, particularly nopales [prickly pear cactus]. She has eight children total: three girls and five boys. Only one - a 16 year old boy who attends primary school - is still dependent on her. Cristina is requesting this loan to buy nopales, as the price is currently high due to a scarcity of that product. She would also like to begin cultivating her own crops in order to bring in a better income. Most of her customers are from Atlacomulco, which is a place where people from different communities gather to buy whatever products they need.
As she requests this loan, Cristina feels very excited that she will be able to invest in her business. She is a very hardworking person who does not give up in any situation; she faces anything with enthusiasm. Her husband died recently but she knows that the way to get ahead is to provide her son with a good education. She hopes that he will achieve his goals and that he will do well and act responsibly in whatever he does.
ESTE GRUPO SE LLAMA AZUCENAS DE SAN A. PORQUE A LAS SEÑORAS LES AGRADAN MUCHO LAS FLORES AZUCENAS Y ESTÁ UBICADO EN LA COMUNIDAD DE SAN A. EN EL ESTADO DE MEXICO. EL GRUPO ESTÁ CONFORMADO POR 10 PERSONAS.LA SRA. CRISTINA A. ES UNA INTEGRANTE, TIENE 57 AÑOS, Y SE DEDICA A LA VENTA DE VERDURA (NOPALES). ELLA TIENE EN TOTAL 8 HIJOS: 3 MUJERES Y 5 HOMBRES, ACTUALMENTE SÓLO UNO DEPENDE DE ELLA Y ES UN NIÑO DE 16 AÑOS QUE ESTÁ ESTUDIANDO LA PRIMARIA, SOLICITA EL CRÉDITO PARA LA COMPRA DE NOPALES YA QUE ACTUALMENTE SUBIERON DE PRECIO DEBIDO A LA ESCACES DEL PRODUCTO. ADEMÁS QUIERE INICIAR SU CULTIVO PARA PODER OBTENER UNA MAYOR GANANCIA, SUS CLIENTES SON PRINCIPALMENTE DE ATLACOMULCO YA QUE ES EL LUGAR EN DONDE LAS PERSONAS DE LAS DIFERENTES COMUNIDADES SE CONCENTRAN PARA LA COMPRA DE PRODUCTOS DE ACUERDO A SU NECESIDAD. AL MOMENTO DE SOLICITAR EL CREDITO LA SRA. CRISTINA SE SIENTE MUY ENTUSIASMADA YA QUE PODRA INVERTIR EN SU NEGOCIO, ES UNA PERSONA MUY TRABAJADORA QUE NO SE DA POR VENCIDA ANTE NINGUNA SITUACIÓN, SIEMPRE LO AFRONTA CON ENTUSIASMO. HACE POCO FALLECIO SU ESPOSO Y HA SABIDO VER LA MANERA DE SALIR A ADELANTE Y DARLE EDUCACIÓN A SU HIJO, ESPERA QUE EL LOGRE SUS OBJETIVOS Y QUE EN CUALQUIER COSA QUE HAGA LO REALICE BIEN Y CON MUCHA RESPONSABILIDAD.
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.