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Palomas De La Villa Group
In this Group: Joaquina , Manuela, Mariana, Maricela , Aurelia
This group is called Palomas de la Villa and is located in Ciudad Ayala, Morelos state, México. It is composed of five women who are neighbors and who know each other. They are: Joaquina Godínez Rodríguez who will use her loan to buy corn, plates, brown paper, napkins, pork skin and oil to stock her business; Manuela M. Hernández who will use the loan to buy cold cuts, Maruchan soups, mayonnaise and chilies in vinegar to stock her business; Mariana Z. Hernández who will use her loan to buy meat, plates, drinking glasses and a griddle to stock her business; Maricela M. G. who will buy milk, rennet, fruit for her yoghurt and glasses to stock her business and Aurelia C. V. who will buy plates, corn, meat, oil and charcoal to stock her pozole and tostada sales business.

Mrs. Mariana Z. Hernández is the group representative. She is 29 years old and finished 6th grade. She’s married and her husband works as a bricklayer. They have three children: Alondra, 8, who is in elementary school, Paloma, 3, and Joaquín, 13, who doesn’t go to school anymore and goes to help his father working as a bricklayer’s assistant.

She has a business selling suadero (thin cut of beef from the brisket) taquitos, longaniza and meat with chili at the local elementary school in the afternoons. She asked for a loan to buy meat, oil, vegetables, tortillas, plates and spoons. She started the business five years ago. She learned by watching how the taquitos were prepared. She used to sell tostadas and rice tacos and later was offered the opportunity to sell the taquitos. A teacher told her that if she wanted to sell them she could and she accepted.

She started out using money she had from the bedspreads and invested it in food to prepare the taquitos. She also sells shoes, bedspreads and underwear via catalogue. She goes out daily to offer her wares to neighbors and relatives in her free time. Her business is a block from home; she walks to the elementary school to sell the taquitos.

Her business is important because it produces money for her children as well as food to eat. Her favorite part of the job is tending to the customers and she feels happy when she sees how much her customers, who are the children and teachers, like the taquitos that she prepares so gladly. Her business is very popular because it’s very well known by the children because of the good flavor of the taquitos. She uses profits from the business to reinvest in the food to continue selling, to repay the loan, for her children, for school. She wants to buy a charcoal grill and a griddle to provide better service to her customers and intends to do so thanks to the loan.

She likes Ciudad Ayala because it’s very pretty, has a nice ambience and there are many passersby in the streets. There are two spas: Axocoche and El Colibrí. There are springs here and streams where the water from the springs runs. Christmas is celebrated in grand scale. There are Nativity masses at 6 and 8 at night. After mass people return home to lull the Baby Jesus; they sing to him and lull him. They hand out little buckets, gourds and little baskets with treats.

Her business has helped the family get ahead with the children. The improvements she wants to make to her house are to rebuild it from top to bottom and fix it up nicely. Her plans and hopes for the future of her children are to get ahead and provide an education for them and to have a better quality of life.

Mariana is happy with the loan she’s getting because it’s an opportunity she’s going to invest in her business and it will help her much.

The improvement she hopes for her children is that they study and improve and she feels they will accomplish this with the loan’s help because she will invest it in her business and from it will be taking out a little to continue to buy and for her children.

The group members would like to say to Kiva and Fundación Realidad: thank you thinking of us because thanks to you we get ahead in our businesses. Thank you for granting the loan. It is appreciated because you lend to us at low interest because you are always concerned for us.
View original language description ↓
Este grupo solidario se llama Palomas de la Villa se encuentra localizado en la comunidad de Cd. Ayala, en el estado de Morelos, México, está conformado por 5 mujeres que se conocen y son vecinas, ella son la señora Joaquina Godínez Rodríguez va a comprar con su préstamo maíz, platos, papel estraza, servilletas, cueritos, aceite para surtir su negocio, la señora Manuela M. Hernández va a comprar carnes frías, sopa maruchas, mayonesa, chiles en vinagre para surtir su negocio, la señora Mariana Z. Hernández va a comprar con su crédito carne, platos, vasos, un comal para surtir su negocio, la señora Maricela M. G. va a comprar leche, cuajo, frutas para su yogurt vasos para surtir su negocio la señora Aurelia C. V. va a comprar platos, maíz, carne, aceite, carbón para surtir su negocio de venta de pozole y tostadas, la señora Mariana Z. Hernández es la representante del grupo, tiene 29 años de edad estudio hasta el 6º. Año de primaria, ella es casada su esposo trabaja de albañil, ellos tiene 3 hijos Alondra tiene 8 años de edad estudia la primaria, Paloma tiene 3 años de edad y Joaquín tiene 13 años de edad ya no estudia se va con su papa a ayudarle a trabajar como peón de albañil, ella tiene su negocio de venta de taquitos de suadero, longaniza, carne enchilada los vende en la escuela primaria en la tarde, ella solicito su crédito para invertir en el negocio va a comprar carne, aceite, verduras, tortillas, platos, cucharas, ella inicio su negocio hace 5 años ella aprendió viendo como preparaban los taquitos, anteriormente vendía tostadas, tacos de arroz ya después le ofrecieron vender los taquitos le dijo un maestro que si quería vender y acepto, ella inicia con un dinero que tenia de las colchas y lo invirtió en la comida para preparar los taquitos, ella también vende zapatos, colchas, ropa interior por catalogo sale a ofrecer sus productos con sus vecinos y familiares en sus tiempos libres, su negocio esta a una cuadra de su casa llega caminando a la escuela primaria para vender los taquitos. Su negocio es importante porque va cayendo dinero para sus hijos y para ir comiendo, su parte favorita de este negocio es despachar, tener muchos clientes y se siente contenta de ver que les gustan los taquitos que ella prepara con mucho gusto para los niños y que están satisfechos sus clientes que son los niños y los maestros, su negocio es popular porque es muy conocido por los niños por el buen sabor de los taquitos, las ganancias de su negocio las utiliza para volver a invertir en la comida para seguir vendiendo, para pagar el préstamo, para sus hijos, para la escuela, ella quiere comprar un brasero y un comal para dar un mejor servicio a sus clientes y lo piensa lograr por medio del préstamo, Cd. Ayala le gusta porque es bonito hay mucho ambiente muchas personas transitan por la calle, hay balnearios el Axocoche y el Colibrí en estos balnearios nace le agua hay arroyos donde va corriendo el agua que nace, celebran la navidad en grande hay misas del nacimiento del niño Dios a las 6:00 y a las 8:00 de la noche ya después de las misas se van a su casa y en las calles arrullan a los niños Dios le canta y lo arrullan, dan cubetas, jícaras, canastitas con colación, su negocio ha ayudado a su familia a salir adelante con sus hijos, las mejorías que desea hacer a su vivienda son construir una nueva casa bien desde abajo y arreglarla bonito, sus planes y esperanzas para el futuro de sus hijos son salir adelante darles estudio a sus hijos y tener una mejor calidad de vida. La señora Mariana está feliz con este préstamo que le dan porque es una oportunidad que va a invertir en su negocio le va a ayudar mucho, las mejorías que desea para sus hijos son que estudien, que se superen y lo pienza logran con la ayuda de este préstamo como va invertir en el negocio de ahí va sacando para seguir comprando y para sus hijos. Las integrantes del grupo quieren decirle a Kiva y a Fundación Realidad Gracias por pensar en nosotras y gracias a ustedes salimos adelante en los negocios, gracias por otorgarnos el crédito se les agradece porque nos prestan con bajo interés y que siempre están pensando en nosotros.


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
  • 4
    View loans »
    Mexico Loans Fundraising
  • $17,305,675
    Funds lent in using Kiva
  • 12.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Palomas De La Villa Group's $925 loan helped a member to buy meat, oil, tortillas, vegetables, plates and spoons to stock her business.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 8, 2011
Listed
Feb 19, 2011
Currency Exchange Loss:
Possible
Ended:
Jun 15, 2011