El Cacique Group
Lupita, as she is known by her neighbors and acquaintances, is from the town of L. Segunda Manzana D. Nicolás Romero which is located in the State of Michoacán. She is 27 years old and she tells us that she didn't study because her parents never sent her to school. She is married to Gilberto, who is a construction worker, and they have 5 children: 9 year-old Juan José and 6 year-old Gilberto, who are both attending elementary school, 5 year-old Valeria who is in pre-school and 6 month-old Luis. She is requesting a loan to invest in buying hens. She says that she raises the hens and fattens them over the course of two months. She then sells them to customers in her town. Lupita tells us that the loan will be very useful to her as she will be able to buy more hens and will have more customers because she will sell her animals wholesale and will make more profits.
Lupita's goal is to be able to proviD. her animals to the people in her town who sell chicken at a good price so that they don't have to go to Zitácuaro to buy their chickens. She would also like to have a bigger coop because she can no longer fit all her hens in her existing coop.
Rosa María Chávez C. is a member of the "El Cacique" group. She is 21 years old and studied up to the third year of high school. She then decided to pay her way through beauty school, since while in high school she had enjoyed doing her friends' hair, and she also realized that there were not any estheticians working in her neighborhood. Rosy, as she is know locally, is single and lives with her parents. She has a small salon in her house, and does hair cuts for women, men and children, and also does coloring, braiding, and styling for special events such as birthday parties. She has been working in her salon roughly four years and decided to start the business because there was nothing similar close to her house, and she also wanted to help her parents with household expenses. With her loan, she will buy locally produced dyes, combs, brushes and other necessary goods for her salon. Her goal is to increase her business, given that it is currently very small, to paint her salon and to put up a sign so as to increase the number of clients that she has.
The other 16 members of this group are: Isidra López Avilés, Nemesia Jerónimo González, María Cristina Rincón Jerónimo, Laura Cecilia López T., María Teresa López G., Alicia M. D. L. C., Araceli C. A., Alejandra T. S., Jazmín C. A., Belén G. A., Elsa C. R., María Santos C. Juárez, Ma. Guadalupe A. G., Rosalinda M. D. L. C., Alberta M. A. and Rosalba López F.. They are requesting loans to invest in buying fruit for making fruit salads and groceries. They will also invest in a beauty business, a dairy business and a fruit and vegetable business.
Rosa María Chávez C., es parte del grupo “EL CACIQUE” tiene 21 años y estudio hasta el tercer año de secundaria, después ella por cuenta propia se metió a estudiar para cultora de belleza ya que desde que iba en la secundaria le llamaba la atención el peinar a sus compañeras de clase y otra que cerca de su casa no había estéticas por eso decidió estudiar esa pequeña carrera. Rosy como es conocida en su localidad es soltera y vive con sus papas, ella tiene una pequeña estética en su casa, ella hace cortes de pelo a damas, caballeros y niños, también pinta el pelo, hacer rayitos, bases, peinados para novias, quinceañeras etc. Tiene con su estética aproximadamente 4 años, y decidió emprender este negocio porque cerca de su casa no avía estéticas y para ayudar a sus papas con los gastos de la casa. Ella comprara con su préstamo tintes, líquidos, peines, cepillos y lo necesario para su estética, comenta que surte sus productos en México y en Zitacuaro Michoacán. La meta que tiene para su negocio es ampliar su local ya que es muy pequeño, pintarlo y rotularlo para que se dé a conocer más e incrementar el número de clientas que ella tiene.
Las otras 16 integrantes se llaman Isidra López Avilés, Nemesia Jerónimo González, María Cristina Rincón Jerónimo, Laura Cecilia López T., María Teresa López G., Alicia M. de la C., Araceli C. A., Alejandra Temahuaya S., Jazmín C. A., Belén G. A., Elsa C. R., María Santos C. Juárez, Ma. Guadalupe A. G., Rosalinda M. C., Alberta M. A., Rosalba López F., ellas quieren los préstamos para invertir en la compra
De frutas y legumbres, pastura alimento para vacas, tienda de abarrotes, dulces y frituras, pollos y guajolotes para su venta.
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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Success!! The loan was 100% repaid