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Las Palmitas De Mancuernas Group
In this Group: Paula Federica , Gloria , Julia Edith*, Juana Leongina, Yamilet, Cirenia Carmen, Dolores Merced, Sandra Angel, Jisel , Rodolfo*
* not pictured
The group “Las Palmitas de Mancuernas” is so named because the home of one of its members, where the meetings are conducted, has many palm trees that adorn the property. Mancuernas is the name of the small town in which they live. Most of its residents engage in livestock breeding. This group consists of ten members, most of whom have participated in ten loan cycles with Fundación Realidad as a result of the good service they have received. For this reason, they continue to seek credit.


Sra. Juana S. is one of the members of this group. She is married to Sr. Martín Hernández, who is a rancher. They have six children who are in different stages of their education. Juana sells meat products such as chorizo and beef enchiladas. She started her business several years ago out of necessity. All of her children are in school, some in elementary school and others in high school. The money her husband earned was not enough, so she came up with the idea of selling these products since she learned how to make them from her mother when she was a teenager. Juana started out small, going into town and selling her goods house to house. Over time, she acquired several customers and they recommended her to other people, which expanded her clientele. She currently sells in other towns because there is plenty of competition. Juana has some customers who almost make purchases but end up not buying, so she must go to neighboring towns to offer her products.


She is requesting a loan to buy supplies for making her products since they require various ingredients. Juana must buy them in large quantities. They include chile de árbol, guajillo chiles, puya chiles, garlic, onions, cloves, pepper, and pork. She invests her loans and has always achieved successful results because her earnings have been good. This allows her to support her children and help her husband with the expenses.


Juana’s top priority is her family since they have been a great support to her. Her children help her with selling products in their spare time. Her greatest wish is for her children to study so that they can pursue a profession. For this reason, she works every day to provide them with necessities as well as teach them the value of working and earning money. Juana hopes that her children will be outstanding individuals in the future and not expect everything to fall from the sky.


The members of this group are hardworking individuals who engage in different businesses:
• Paula O. produces tamales.
• Gloria M. makes snacks.
• Julia, Juana, Dolores, Cirenia, and Jisel produce chorizo and beef enchiladas.
• Yamilet Hernández sells cosmetics.
• Sandra V. sells pigs.
• Rodolfo T. buys and sells oil and spare parts for taxis.

View original language description ↓
El Grupo Las Palmitas de Mancuernas, llamado así porque el lugar en donde se reúnen las integrantes hay muchas palmas que son decoración de la casa de una de las integrantes y mancuernas porque así se llama la población donde viven, un lugar pequeño donde la mayoría de las personas se dedican a la ganadería. Este grupo esta integrado por 10 personas y la mayoría lleva más de 10 ciclos en la Fundacion y por el buen servicio que se les proporciona sigue solicitando créditos.
La señora Juana S. es una de las integrantes de este grupo, esta casada con el señor Martín Hernández quien se dedica a la ganadería, tiene 6 hijos que estudian en diferentes niveles escolares. Juana se dedica a la venta de carnes como son: chorizo y carne enchilada, desde hace muchos años inicio con este negocio debido a la necesidad que tenia; ya que todos sus hijos estudiarían algunos en primaria y otros secundaria y el dinero que ganaba su esposo no le iba alcanzar, es por ello que surgió la idea de vender estos productos y como ella sabia elaborarlos porque su mamá le enseño cuando era adolescente, inicio elaborando poco, y salía a venderlos de casa en casa ahí en su población, pero con el paso del tiempo se fue haciendo de varios clientes y ellos mismos la recomendaban con otras personas y se fue haciendo de varios clientes, actualmente sale a venderlos a otras poblaciones porque existe mucha competencia aunque ya tiene sus clientes en algunas casi no le compran y por ello que tiene que ir a ofrecer sus productos en localidades vecinas.
Ella solicitó el préstamo para comprar insumos para la elaboración de su producto ya que lleva varios ingredientes y compra en cantidades grandes de cada uno de ellos como son: chile de árbol, chile guajillo, chile pulla, ajo, cebolla, clavo y pimienta y la carne de cerdo y cada, ella siempre invierte su crédito y le ha dado buenos resultados ya que sus ganancias han sido buenas y con ello ah podido mantener a sus hijos y apoyar a su esposo con los gastos.
Su mayor prioridad para ella es su familia y tiene un gran apoyo por parte de ellos ya que sus hijos la ayudan a vender sus productos en sus ratos libres, su mayor anhelo es que sus hijos estudien y lleguen a tener una profesión es por ello que trabaja todos los días para darles lo indispensable, al igual que les enseñan el oficio de trabajar y ganarse su propio dinero para que el día de mañana sean hombres de provecho y no esperen a que todo les caiga del cielo.
Las personas que integran este grupo son personas trabajadoras que se dedican a diferentes negocios:
Paula O.. Elaboración de tamales
Gloria M.. Elaboración de antojitos
Julia, Juana, Dolores, Cirenia y Jisel. Elaboración de chorizo y carne enchilada.
Yamilet Hernández. Venta de cosméticos.
Sandra V.. Venta de cerdos
Rodolfo T.. Servicio de taxi (compra y venta de aceites y refacciones)

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
  • 5
    View loans »
    Mexico Loans Fundraising
  • $17,333,625
    Funds lent in using Kiva
  • 11.6
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Palmitas De Mancuernas Group's $3,650 loan helped a member to purchase ingredients for making chorizo and beef enchiladas.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 26, 2011
Listed
May 8, 2011
Currency Exchange Loss:
Possible
Ended:
Sep 16, 2011