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Tlayecac Group
In this Group: Marcela, Beda, Ambrosia, Yolanda, Alicia, Yadira, Maria Luisa , Cira
This solidarity group is named “Tlayecac” since it is located in the community of Tlayecac in Ciudad Ayala in the State of Morelos, Mexico. The group consists of eight women who know each other and are neighbors. They are as follows:

• Sra. Marcela C. V. will use her loan to buy thread and napkins to embroider and sell.
• Sra. Beda Vázquez C. will buy thread, ribbons, and gift items to restock her sewing supply shop.
• Sra. Ambrosia Meléndez Z. will buy soap, eggs, milk, sugar, and other products to stock her store.
• Sra. Yolanda Milán R. will buy all types of candy to sell.
• Sra. Alicia Vázquez Campose will buy cornmeal, cheese, cream, vegetables, and other items for preparing and selling her dishes.
• Sra. Yadira C. Milán will buy dyes and scissors for her beauty salon.
• Sra. María Luisa C. Ríos will buy rice, vegetables, and meats for selling food in her establishment.
• Sra. Cira P. Sánchez will buy trousers, skirts, and other items to restock her business.

Sra. Yadira C. Milán is a member of this group. She is 21 years old and obtained her diploma after completing three years of high school. Yadira is married, pregnant, and will be having her first child very soon. She has a beauty parlor as well as a business selling food. The loan she is requesting will be used for both businesses. She plans to buy liquid foundation, dyes, manicure supplies, soft drinks, meats, vegetables, condiments, and gas. Since she is pregnant, Yadira has chosen not to work in her beauty salon at the moment because of the chemical fumes that could harm her baby. She currently offers quick breads, snacks, sandwiches, stews, stuffed corn cakes, and soft drinks. Her mother-in-law started this business ten years ago and left it to her so that she could vacation in the United States. When she began working with her mother-in-law, Yadira learned how to prepare the food. Her business is located on the outskirts of Jaloxtoc. She lives in the central part of town, so she must take public transportation in order to get to her business. The business is important and special to Yadira because it keeps her busy and enables her to support herself. Her favorite part of the business is making the tortillas, the quick breads, and the snacks. She is proud of seeing her customers enjoy the food for its flavor as well as the tortillas. Her customers include neighbors, teachers, students, and out-of-town visitors. The business is popular since her mother-in-law knows many people. The challenges to her business are the dusty climate, the high cost of electricity, and competition from similar businesses. Her business profits are reinvested in vegetables and meats.

Sra. Yadira is planning to expand her business by introducing candies and pork. She believes she will be able to save up enough money to buy the candy. Her business has helped improve her family’s quality of life and prevented them from lacking anything. What she wants most is to build a house and have a space all to herself since she currently lives with her mother-in-law. Her hopes and plans include expanding her business, moving forward, and improving her home. Yadira is happy with this loan since it has given her the opportunity to invest in her business and continue growing.

The members of the group would like to say to Kiva and Fundación Realidad, “We are grateful for the opportunity given to us to move forward in our businesses and hope to continue having your support.”
View original language description ↓
Este grupo solidario se llama Tlayecac, se encuentra localizado en la comunidad de Tlayecac, Cd. Ayala, en el estado de Morelos, México, está integrado por 8 mujeres que se conocen y son vecinas ella son la señora Marcela C. V. va a comprar con su préstamo hilos, servilletas para bordarlas y tejerlas y venderlas, la señora Beda Vázquez C. va a comprar hilos, listones, artículos para regalos etc. Para surtir su mercería, la señora Ambrosia Meléndez Z. va a comprar jabón, huevo, leche, azúcar, etc. Para surtir su tienda, la señora Yolanda Milán R. va a comprar de todo tipo de dulces para vender, la señora Alicia Vázquez C. va a comprar masa, queso, crema, verdura, etc. Para elaborar su comida y vender sus productos, la señora Yadira C. Milán va a comprar tintes, tijeras para su estética, la señora María Luisa C. Ríos va a comprar arroz, verdura, carnes para vender comida en su local, la señora Cira P. Sánchez va a comprar pantalones, faldas, etc. Para surtir su negocio. La señora Yadira C. Milán es integrante del grupo, ella tiene 21 años de edad, ella estudio hasta el 3er. año de secundaria obteniendo su certificado, ella es casada no tiene hijos pero está embarazada muy pronto va a tener a su hijo, ella tiene su negocio de venta de comida, ella solicito su crédito para la estética y para el negocio de la comida, va a comprar líquidos para bases, tintes, material para uñas, refrescos, carnes, verduras, condimentos, para comprar el gas, ella está embarazada ahorita no puede trabajar en la estética por el olor de los líquidos que le hacen daño a su bebe. La señora Yadira ofrece a sus clientes dobladitas, picaditas, tortas, guisados, tlacoyos, refrescos, su suegra inicio el negocio hace 10 años y se lo dejo porque se fue a Estados Unidos de vacaciones, ella empezó yéndose a trabajar con su suegra le enseño a preparar la comida, su negocio está en la entrada de Jaloxtoc, ella vive en el centro y su negocio está en la entrada toma el transporte colectivo para llegar a su negocio, su negocio es importante y especial porque le ayuda a distraerse y a mantenerse, la parte favorita de su negocio es elaborar las tortillas, las dobladitas y las picaditas, ella se siente orgullosa ver que sus clientes les gusta la comida por su sabor y por las tortillas y se van contentos, sus clientes son vecinos, maestros de la escuela, estudiantes, gente que pasa de fueras, su negocio es popular por su suegra la conocen muchos , los desafíos que enfrenta su negocio son el clima con el aire se levanta el polvo, el costo de la luz es cara, enfrenta el negocio la competencia de otro negocio igual al lado del suyo, las ganancias del negocio las utiliza para volver a invertir en las verduras, las carnes, la señora Yadira está planeando ampliar su negocio meter dulces, chicharrones y lo piensa lograr ahorrando para compra los dulces, su negocio ha ayudado a su familia ha mejorado la calidad de vida no tienen muchas carencias, las mejoras que desea hacer a su vivienda hacer un cuarto para ella y tener su propia casa porque está viviendo con su suegra, sus planes y esperanzas son ampliar el negocio, seguir adelante, mejorar su casa y está feliz con este préstamo que le dan por la oportunidad que le dan de invertir en su negocio para que siga creciendo. Las integrantes del grupo quieren decirle a Kiva y a Fundación Realidad “les agradecemos la oportunidad que nos dan para seguir adelante en nuestros negocios y esperamos seguir contando con su apoyo”.

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
  • 0
    View loans »
    Mexico Loans Fundraising
  • $17,775,800
    Funds lent in using Kiva
  • 12.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Tlayecac Group's $1,925 loan helped a member to purchase liquid foundation, dyes, manicure supplies, soft drinks, meats, vegetables, condiments, and gas.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 17, 2011
Listed
Mar 15, 2011
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2011