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Ephata Group
In this Group: Patricia, Vilgahi, Adriana, Elizabed, Susana, Reyna, Eliza, Tomasa, Leticia, Julia
This group is called "Ephata," which means "the smallest one." They are all looking for an opportunity to make more sales and to grow. They are located in the state of Mexico. The group is comprised of 10 members and this is the first time they are requesting a loan.

Vilgahi is one member of the group. She is 48 years old, studied until the fifth year of primary school, is a homemaker, and has five children (two girls and three boys). She makes and sells tlacoyos (which consist of a thick, long oval tortilla prepared from a dough of corn and cooked beans, which can then be filled with various ingredients like beans, lima beans, meat, and cottage cheese). She started doing this ten years ago.

She is requesting a loan to buy ingredients and supplies like corn, beans, pork rinds, and gas. Her customers are people in her area who prefer to buy her products for their quality and the good service and friendly attention she provides. At the moment, Vilgahi feels very happy to have the opportunity to invest and to distribute her product. Her business is important because with it, she can get ahead on her family's expenses and therefore have a better quality of life. She longs to give her daughter, who is currently in high school, the opportunity to pursue a professional career so that she can have a better future.
View original language description ↓
Este grupo se llama "EPHATA", que significa la más pequeña, buscando una oportunidad de tener más ventas y crecer. Están ubicadas en el Estado de México. El grupo está conformado por 10 integrantes y es la primera vez que solicitan un prestamo. Vilgahi es integrante del grupo. Ella tiene 48 años, estudió hasta el quinto año de primaria, es ama de casa y tiene 5 hijos, 2 mujeres y 3 hombres. Ella se dedica a la producción y venta de tlacoyos (que consiste en una tortilla gruesa ovalada y larga, preparada con masa de maíz y frijoles o habas cocidos, la cual puede ir rellena de diversos ingredientes como frijoles, habas, carne, requesón) que inició hace 10 años. Solicita el préstamo para comprar la materia prima que es maíz, frijol, chicharon y gas. Sus clientes son personas del área conurbada, prefieren comprar los productos con ella por la calidad y buen servicio que ofrece y la atención amable de la señora. Al momento de solicitar este préstamo se siente con mucha alegría de tener la oportunidad de invertir y distribuir su producto. Su negocio es importante ya que con ello puede salir adelante con los gastos de su familia y así tener una mejor calidad de vida, ella añora darles una carrera profesional a su hija que esta estudiando preparatoria para que tenga un mejor futuro.

Additional Information

About CrediComun

This loan is administered by CrediComun, a Kiva Field Partner since February 2010. CrediComun is dedicated to providing loans to groups of women in rural areas in Mexico, and is beginning to lend to individuals as well. One of its newest branch offices is in Ciudad Neza, a poor suburb on the outskirts of Mexico City. CrediComun has grown rapidly since its inception in 2005, with 37 branch offices and over 350 employees, and was ranked the 12th best microfinance institution in Latin America in 2010 according to the Microfinance Information Exchange (MIX).

For more information on CrediComun, please visit its partner page. If you would like to support CrediComun and its borrowers, please visit its lending team.

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
  • 11.9
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Ephata Group's $2,375 loan helped a member to buy ingredients and materials like corn, beans, pork rinds, and gas.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 24, 2011
Listed
Jul 4, 2011
Currency Exchange Loss:
Covered
Ended:
Nov 30, 2011