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Huitzililla Group
In this Group: Cruz , Margarita, Maribel, Maricela, Santiago
This solidarity group is called Huitzililla, and it is located in the community of Huitzililla, in the State of Morelos. It's composed of 5 members who they know well and are neighbors. The members are Margarita who will buy oil, soft drinks, sugar, etc., to supply her grocery store; Maribel who will buy shoes to fill orders; the young Santiago who will buy soft drinks by the case to begin his business; and Maricela who will buy catalogs to fill her first requests and begin her catalog sales business.

The young Maribel, who is 33 years old, studied up to the 3rd year of secondary and has her diploma. She is married and her husband works in the countryside, renting land and sowing onions. They have 2 children; Ismael is 11 years old and in the 6th grade in primary school, and Juaquin who is 4 years old. Maribel sells shoes, cosmetics, and lingerie by catalog. She is requesting a loan to buy shoes so she can fill shoe orders. She offers her customers shoes, clothing, cosmetics, and lingerie.

When the business began some 2 years ago, initially, she helped her sister-in-law with sales. Later, Maribel bought catalogs and began to sell. Maribel began cautiously, with a selection she was offered and an initial loan. Her business is mobile; she goes from house to house, offering her products. Keeping her business is important and special because if she wants some shoes for herself or her children, she provides them cheaper and con provide a discount. Her favorite part of the business is when the customers pay! Some pay all in cash, others pay half down. Men are the best at paying. She remembers being awarded a packet of lingerie for having good sales each month. She has many customers: men, women, and girls. When there are closing ceremonies and parades, they buy more shoes. Their desire to have the same model makes her business popular; her brand is well-recognized.

The challenge that faces her business is that she offers shoes on payments and some people don't pay. The competition her business confronts is that many girls and women who sell from catalogs sell other brands. Maribel invests her earnings to buy more shoes; she plans to expand her business by providing cosmetics, lengerie, chothes, as well as shoes, and she hopes to do this with loans.

Her business has helped her family when her husband couldn't provide income. From the earnings, she provides food and expenses. She wants to make improvements to her house, mainly the baths and building another bedroom. Her plans and hopes are to continue ahead with the business and keep on selling. Maribel is happy with this loan because she can supply her business with what people order. What she wants for her children is to provide schooling so that they will lack nothing. And this loan will help.

The group members wish to say to Kiva and Fundacion Realidad “Thanks for helping people who have needs because without your help we would not be able to get ahead.”

Huitzililla is a warm village with its countryside sown in onions, sorghum, and corn. They celebrate the day of their patron saint, St. Thomas, on the 21st of December; there are baptisms, first communions, processions, the running of bulls, and other ceremonies.
View original language description ↓
Este grupo solidario se llama Huitzililla, se encuentra localizado en la comunidad de Huitzililla, Cd. Ayala, en el Estado de Morelos, México. Está conformado por 5 integrantes que se conocen y son vecinos, los integrantes son la señora Cruz P. Sánchez y va a comprar con su préstamo perfumes y cosméticos para surtir sus pedidos, la señora Margarita B. G. va a comprar aceite, refrescos, azúcar etc. Para surtir su tienda de abarrotes, la señora Maribel C. Sánchez va a comprar zapatos para surtir sus pedidos, la señorita Maricela C. P. va a comprar catálogos para surtir su primeros pedidos e iniciar su negocio de venta por catalogo, el joven Santiago V. B. va a comprar refrescos por caja para iniciar su negocio. La señora Maribel C. Sánchez tiene 33 años de edad estudio hasta el 3er. año de secundaria tiene su certificado, ella es casada su esposo trabaja en el campo rento una tierra y sembró cebolla y tiene 2 hijos Ismael tiene 11 años estudia el 6º. Año de primaria y Joaquín tiene 4 años. La señora Maribel tiene su negocio de venta de zapatos, cosméticos, lencería por catalogo, ella solicito su préstamo para comprar zapatos y surtir sus pedido de zapatos, ella ofrece a sus clientes zapatos, ropa, cosméticos, lencería, este negocio lo inicio hace 2 años, ella le ayudaba a vender a su cuñada ya después se compro los catálogos y comenzó a vender, ella surtió sus pedido con un guardadito primero empezó con una tanda que le dieron ya después con el préstamo lo invirtió, su negocio es ambulante va de casa en casa ofreciendo sus productos, su negocio es importante y especial porque si quiere unos zapatos para ella o sus hijos se los dan más baratos le dan descuento, la parte favorita de su negocio es cuando reparte el pedido porque algunos clientes le pagan al contado y otros le dan la mitad los hombres son buenos pagadores, ella recuerda cuando se gano un paquete de lencería por tener buenas ventas cada mes y lo logro por varios meses y le dieron su premio su paquete de lencería, ella tiene muchos clientes hombres, mujeres, muchachas cuando hay clausuras o desfiles le compran mas los zapatos parque lleven el mismo modelo, su negocio es popular por la marca del zapato que es muy reconocida, los desafíos que enfrenta su negocio es que da los zapatos en pagos y algunas personas ya no le pagan, la competencia que enfrenta su negocio es que hay muchas muchachas y señoras que venden por catalogo también vende de otras marcas, las ganancias del negocio las invierte compra mas zapatos, la señora Maribel está planeando ampliar su negocio surtirse más de todo de cosméticos, lencería, ropa y zapatos y lo piensa lograr con los prestamos. Su negocio ha ayudado a su familia cuando su esposo no tiene ingresos de ahí toma para la comida y los gastos, las mejorías que desea hacer a su vivienda son los baños y construir otra recamara, sus planes y esperanzas son seguir adelante con el negocio seguir vendiendo, ella está feliz con el préstamo que le dieron porque va surtir su negocio lo que le pidan lo va a comprar, las mejoras que desea para sus hijos son darles más estudios que no le falte nada y este préstamo le va a ayudar va a invertirlo en mercancía y con las ganancias, Los integrantes del grupo quieren decirle a Kiva y a Fundación Realidad “gracias por ayudar a las personas que lo necesitan porque sin su ayuda no podríamos salir adelante.” Huitzililla es un pueblo cálido, hay campo, siembran cebolla, sorgo, maíz, Celebran al patrón del pueblo Santo Tomas el 21 de Diciembre, hay bautizos, primeras comuniones, procesión, corrida de toros, y brinco de chínelos.

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
  • 7
    View loans »
    Mexico Loans Fundraising
  • $18,125,250
    Funds lent in using Kiva
  • 12.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Huitzililla Group's $1,425 loan helped a member tO BUY SHOES TO FILL CATALOG ORDERS AND OTHER MERCHANDISE.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 21, 2011
Listed
Jan 28, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2011