El Tanque Group
This story is about Maricela Hernández S. who is 27 years old and married. Her husband is called Juan Carlos Bibiano and he is a construction worker. They have four children: Juan Carlos, Alexander, Betzy and Jacqueline. Only three of their children are in school. Their eldest (son) is in his fifth year of elementary school, their second (son) is in his first year of elementary school and their youngest son is in his second year of pre-school. Their youngest child (a daughter) is only one year old.
Maricela has been selling donuts and empanadas for 5 years. She decided to start this business because she says that she was looking for a way to improve her own quality of life and that of her family. She also wanted to provide her children with a very good education and support her husband with their household expenses since there are occasions when he doesn't have work.
Maricela invested her loan in buying more supplies such as flour, sugar, oil, cornstarch, milk, eggs and firewood so that she could continue making her snacks. Maricela's dream is to build an oven in her home so that she can continue with her sales since she currently has to go to her aunt's home to make her donuts and empanadas. She would also like, in the future, to build premises to set up a bakery so that she can have her business much better stocked and make more income and better income. With this income she will be able to continue supporting her children in their studies so that they can have a very good professional career.
Maricela is very grateful to Fundación Realidad and Kiva for the support of this loan that they have offered her since, thanks to the loan, her business will start to improve a lot and her own life, and that of her family, will also change.
The members of the El Tanque group and their businesses are as follows:
Ruth - selling perfume; María Elena - selling clothes; Maricela - selling donuts and empanadas; Rogelia - selling tamales; María Ruth - selling clothes; Josefa - selling sewing supplies; Marilú - selling soft drinks; Rogaciana - selling fruit; María Juana - selling corn on the cob and Guadalupe - selling snacks.
Doña Maricela se decidió por este negocio, ya que dice quería buscar la forma de mejorar su calidad de vida y la de su familia, también para darles una muy buena educación de sus hijos y apoyar a su esposo con los gastos del hogar, ya que hay ocasiones en que no tiene trabajo, ella invirtió su crédito en la compra de mas insumos como son: harina, azúcar, aceite, maicena, leche, huevos y leña, para así continuar con la elaboración de sus antojitos.
El sueño que tiene doña Maricela es el de construir un horno ahí mismo en su casa para continuar con sus ventas, ya que tiene que ir a casa de su tía para preparar sus donas y empanadas, también quiere más adelante empezar a construir un local para poner una panadería, para así tenerla mucho mas surtida, y obtener más y mejores ingresos y con eso poder continuar apoyando a sus hijos con sus estudios, para que tengan una muy buena carrera profesional.
Ella esta muy agradecida con fundación realidad y kiva por el apoyo del préstamo que le otorgaron ya que gracias a esto su negocio empezara a mejorar mucho y su vida y la de su familia también cambiaran.
Las integrantes del grupo el tanque y las actividades que realizan son las siguientes: Ruth-venta de perfumes, María Elena-venta de ropa, maricela-venta de donas y empanadas, rogelia-venta de tamales, María Ruth-venta de ropa, Josefa-mercería, Marilú-venta de refrescos, rogaciana-fruteria, María Juana-venta de elotes y Guadalupe-venta de antojitos.
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