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San Miguel Group
In this Group: Cecilia , Margarita, Roberta, Lina, Alicia*, Virginia , Alma America
* not pictured
This communal bank is called "San Miguel," and it is located in the community of Atlacahualoya, Axochiapan, in the state of Morelos, Mexico. It consists of 7 women who know each other and are neighbors. They are Señora Cecilia M. M., who is going to buy merchandise: sugar by the kilo, eggs by the kilo, toilet paper, and oil by the liter; Señora Margarita M. Aragón is going to buy merchandise: soap, sugar by the kilo, oil by the liter, eggs by the kilo, Sabritas chips, and soft drinks; Señora Roberta M. M. is going to buy merchandise: soft drinks, juices, soap, peppers in vinegar, sugar, eggs, and oil; Señora Lina C. Hernández is going to buy merchandise: Sabritas chips, soft drinks, and juices by the case to stock her business; Señora Alicia E. N. is going to buy flour, sugar, eggs, butter, fragrances, and a mixer for her business; Señora Virginia R. A. is going to buy corn husks, corn, lard, and a casserole to make her tamales; Señora Alma América F. R. is going to buy soft drinks, PepsiCola by the case, pitchers, and CocaCola wholesale.

Señora Roberta is the representative of the group. She is 50 years old and is married, with three children: Luis Enrique is 10 years old and is in primary school; Arseño, who is 20, left for the United States to work; Nayely, who is 17, is not in school but helps her mother tend the store. Señora Roberta has a grocery store and is applying for the loan to stock her store. She is going to buy sugar, soap, bleach, soft drinks, Sabritas chips, Bimbo bread, crackers, Barcel snacks, rice, sugar, milk, toilet paper, purified water, beans, and disposable plates and glasses. She began her business 10 years ago with money they had saved. Her husband went to the United States to work, and later she also went to the United States to work in a laundry. She was there for two and a half years and her husband for three years. She sent money to her mother and she kept it in the bank. Her husband also saved and sent money to his brother, who kept what he sent in the bank. When they came back, her mother and her husband's brother turned over the money they had saved and then they bought land, built their house, and stocked her store. Señora Roberta also has a pottery business. She makes casseroles and pots of different sizes. She makes jars on the Day of the Dead. She and her husband work in the pottery business and their daughter works in the store. Atlacahualoya is a town where her children like to live. Her mother and her brothers came there to work in the fields and stayed there to live, and since her mother was taking care of their children, they didn't want to go back to San Marcos and stayed in Atlacahualoya to live. They like it because it is peaceful. They plant onions and green calabashes. They celebrate the fiesta of San Miguel on the 29th of September. There are fairs, first communions, dances, and bullfights. Her business has helped her family to have money for the school expenses of their son. The improvements that she wants to make on her house are to fix it up and put on tiles. Her plans and hopes are that her children will do something more. She is going to leave her house to them, if they want to continue living there, they will see.

The members of the group want to tell Kiva and the Fundación Realidad "We give them thanks for their loans and for continuing to lend to us. We hope we don't make a bad impression. We thank them very much because they are helping us to grow in our businesses."
View original language description ↓
Este grupo solidario se llama San Miguel, se encuentra localizado en la comunidad de Atlacahualoya, Axochiapan, en el estado de Morelos, México, está integrado por 7 mujeres que se conocen y son vecinas, ellas son la señora Cecilia M. M. va a comprar mercancía azúcar por kilo, huevo por kilo, papel higiénico, aceite por litro, la señora Margarita M. Aragón va a comprar mercancía jabón, azúcar por kilo, aceite por litro, huevo por kilo, sabritas, refrescos, la señora Roberta M. M. va a comprar mercancía refrescos, jugos, jabón, chiles en vinagre, azúcar, huevo, aceite, la señora Lina C. Hernández va a comprar mercancía sabritas, refrescos, jugos por caja para surtir su negocio, la señora Alicia E. N. va a comprar harina, azúcar, huevo, mantequilla, esencias y una batidora para su negocio, la señora Virginia R. A. va a comprar hojas de maíz, maíz, manteca, una cazuela, para realizar sus tamales, la señora Alma América F. R. va a comprar refrescos, pepsicola por caja, jarrito, coca cola por mayoreo. La señora Roberta es la representante del grupo ella tiene 50 años de edad es casada y tiene 3 hijos, ellos son Luis Enrique de 10 años de edad está estudiando la primaria, Arseño de 20 años de edad se fue a Estados Unidos a trabajar, Nayely tiene 17 años de edad no estudia le ayuda a su mama a atender la tienda. La señora Roberta tiene su tienda de abarrotes y solicito su préstamo para surtir su tienda va a comprar azúcar, jabón, cloro, refrescos, sabritas, pan bimbo, galletas, barcel, arroz, azúcar, leche, papel higiénico, agua purificada, frijol, platos y vasos desechables, inicio su negocio hace 10 años tenían dinero ahorrado, su esposo se fue a estados unidos a trabajar y después ella también se fue a Estados Unidos a trabajar en una lavandería, ella estuvo 2 años y medio y su esposo 3 años, ella le mandaba a su mama y se lo fue guardando en el Banco, su esposo también fue ahorrando le mandaba a su hermano y lo fue guardando en el banco lo que mandaba y cuando regresaron le entregaron el dinero que fueron ahorrando de ahí compraron el terreno, construyeron su casa y surtieron su tienda. La señora Roberta también tiene su negocio de alfarería elabora cazuelas y ollas de diferentes tamaños, los jarros los elabora en día de muertos su esposo y ella trabajan en la alfarería y su hija en la tienda. Atlacahualoya es un pueblo donde les gusto a sus hijos vivir su mamá y sus hermanos llegaron ahí a trabajar en el campo y se quedaron a vivir ahí y como su mama cuidaba a sus hijos ellos ya no quisieron regresar a San Marcos y se quedaron a vivir en Atlacahualoya a ellos les gusta porque es tranquilo siembran cebolla, guajes del verde, celebran la fiesta de San Miguel el 29 de septiembre hay feria, primeras comuniones, bailes, toros. Su negocia a ayudado a su familia a tener dinero para los gastos de su hijo para la escuela, las mejoras que desea hacer a su vivienda son arreglar su casa ponerle azulejos, sus planes y esperanzas son sus hijos serán los que hicieran algo mas, les va a dejar su casa para ellos, ya si quieren seguir ya ellos verán, los integrantes del grupo quieren decirle a Kiva y a Fundación Realidad “les damos las gracias por sus préstamos y que nos sigan prestando, espeR. no quedar mal, les agradecemos mucho porque nos están ayudando a crecer en nuestros negocios”.

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
  • 13
    View loans »
    Mexico Loans Fundraising
  • $17,541,650
    Funds lent in using Kiva
  • 12.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of San Miguel Group's $2,500 loan helped a member buy sugar, boxes of soap, bleach, soft drinks, Sabritas chips, Bimbo bread, crackers, Barcel snacks, rice, beans, eggs, sugar, milk, toilet paper, purified water, and disposable plates, glasses, and spoons.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 4, 2011
Listed
Feb 17, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2011