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El Cedro Group
In this Group: Emilia , Cenoria , Camerina , Maria Lucrecia Justa , Eva , Yuridia , Rosalia , Genoveva , Eulalia , Elodia *, Dora Maria *
* not pictured
In the State of Veracruz, in the town of Tezonapa, there is a community called El Cedro in which there is an 'UDE' (a group of more than ten people who have an account with the community bank and must meet up every one or two weeks to make their payments). This group was named in honor of the community in which its members live. It has eleven members.

The group's representative is called Emilia. She is 52 years old and has an elementary school level of education. Emilia is married and has three children (two daughters and one son): 24 year-old Graciela, 28 year-old Vicente and 21 year-old Vianey, who are all married. Currently, Emilia only lives with her husband. She tells us that she and her family have been growing and harvesting coffee for more than five years. Emilia, her husband and her son look after the crops, watering them and applying fertilizers. When the time comes to harvest the coffee, they provide work to some people in their community. After harvesting, they sell the coffee. Emilia tells us that they used to sell their coffee to a gentleman who owned a grinder but he closed down a couple of years ago and now they sell their produce within their own community and in some other nearby communities. They sometimes sell coffee cherries (which is when the coffee is mature) and sometimes they sell the beans.

Emilia needs this loan to invest in fertilizers for her crops. She tells us that she hopes to continue working in the future because the financial situation is very hard these days and you can only get ahead in life by working.

Some of the people who appear in this photo are friends and neighbors who were present when the photo was taken and wanted to appear in it.

The other members of the group are:

Senorina - snack sales
Camerina - clothing sales
Maria Lucrecia - grocery sales
Eva - grocery sales
Yuridia - nutrition club
Rosalia - grocery sales
Eulalia - shoe sales
Elodia - catalog sales
Dora maria - clothes store
Genoveva - shoe sales
View original language description ↓
En el estado de Veracruz en el municipio de Tezonapa Existe una comunidad llamada el cedro en el cual existe una UDE (grupo de mas de diez personas que tienen una cuenta en el banco y tienen que reunirse semanal o quincenalmente para hacer sus pagos)la cual lleva el mismo nombre en honor a la comunidad que habitan, este grupo esta formado por 11 integrantes

El representante del grupo se llama Emilia tiene la edad de 52 años, estudio solo la primaria, esta casada y tiene 3 hijos de los cuales dos son mujeres y uno hombre de nombres Graciela de 24 años, Vicente de 28 años y Vianey de 21, los cuales ya estan casados, actualmente solo vive con su esposo. Ella nos platica que hace mas de 5 años ella y su familia siembran cafe y lo cosechan, ella su esposo y su hijo se encargan del cuidado de sus siembras de regarlo ponerle abonos y cuando llega el tiempo del cultivo del cafe le dan trabajo a algunas personas de la comunidad, despues de cosechar venden el cafe, nos platica que antes se lo vendian a un señor que tenia un molino pero hace un par de años cerro su molino y ahora lo venden en la comunidad y en algunas otras cercanas. ellos enden el cafe algunas veces en cereza(que es cuando esta maduro) y otras veces en Oro(grano). Ella necesita este credito para invertirlo en abonos y fertilizantes para su siembra, tambien nos platico que espera en un futuro seguir trabajando ya que en estos tiempos la situacion economica esta muy dura y solo trabajando se puede salir adelante.(alguna de las personas que salen en la foto son amigos y vecinos que estaba ahi en ese momento y quisieron salir en la foto)



Los otros integrantes se llaman:
Senorina - venta de antojitos
Camerina - venta de ropa
Maria Lucrecia - venta de abarrotes
Eva - venta de abarrotes
Yuridia - club nutricion
Rosalia - venta de abarrotes
eulalia- venta zapatos
elodia-venta de catalago
dora maria -tienda ropa
genoveva- zapatos

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

  • $15,600
    Average annual income
  • 14
    View loans »
    Mexico Loans Fundraising
  • $18,745,125
    Funds lent in using Kiva
  • 11.7
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Cedro Group's $4,100 loan helped a member to grow coffee.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 9, 2011
Listed
May 26, 2011
Currency Exchange Loss:
Possible
Ended:
Oct 15, 2011