El Cisne Group
From the group, the only person who has a grocery store is Ms. Hermelinda, who tells us the following:
"I have a grocery store and also recently began to sell sandwiches outsiD. of my shop to have more to offer, and it's going better. For this reason, I asked for a loan to be able to buy all that I need to make the sandwiches, for example the breaded fried steaks, sausages and ham, which is what sells the best. Low sales make me discouraged and that's when I wonder if the business is really good for me. It's hard when I see that nothing in the store is selling. I work very hard and look for income opportunities because I want my kids to study and to have a better future than mine. I hope that my customers like the sandwiches so that they keep buying them and bring me more customers. With what I earn, I want to invest in merchandise and then help my husband with the education of our kids. I have four children, 3 already in school. I have my own home and my husband is a masonry teacher. I'm 36 years old and have been married for 25 years."
The other members of the group are: Maria Eva, Maria Lorenza, Amelia, Alicia, Elia, Manuel, Luisa, Elvia, LuciL. and Carolina.
Del grupo L. unica persona que tiene un negocio D. una tienda D. abrrotes es doña Hermelinda, elL. nos platica lo siguiente; " Yo tengo una tienda D. abarrotes y tambien recientemente empeze a vender tortas afuera D. mi tienda para tener mas que vender y me vaya mejor, por esa razón pedi un prestamo y poder comprar todo lo que nesecite para hacer tortas, por ejemplo L. milaneza, salchicha y jamon que es lo que mas se venD., las ventas bajas me desaniman y es cuando pienso si en verdad me conviene el negocio, lo dificil cuando veo que no se venD. en L. tienda, yo trabajo muy fuerte y le busco para tener ganancias porque quiero que mis hijos estudien y tengan un mejor futuro que el mio, yo espero que a mis clientes les gusten las tortas para que puedan seguir comprando y me haga D. mas clientes, con lo que vaya ganando quiero estar invirtiendo el dinero para L. mercancia, y despues ayudar a mi esposo con L. educación D. los niños, tengo 4 hijos, 3 ya estudian, tengo mi casa propia y mi esposo se dedica como maestro D. albañil, tengo 36 años y D. casada llevo 25 años.
Los demás integrantes del grupo son:Maria Eva, Maria Lorenza, Amelia, Alicia, Elia, Manuel, Luisa, Elvia, LuciL. y Carolina
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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