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Union De Cabecera Group
In this Group: Angela , Silvia, Flora , Manuela, Victoria , Ma Concepcion, Sandra
The Unión de Cabecera village bank is a group of hardworking, responsible women. They all have businesses in which they invest their loans. Angela will invest in her general store, Flora will buy chickens and pigs, Manuela will buy corn to sell every afternoon, Victoria will invest in her stationer's shop, Concepción will buy chickens, Sandra will invest in her little sweets shop, and Silvia, the leader of the group, will invest in her general store.
The group chose its name because union is like the friendship between the members.
At this time, the group leader is Silvia. She is 32 years old and has been married for 12 years to Alfredo, who has a law practice. Together they have three children: Mariela, ten years old, who is in fifth grade; Leisy Kena, four, who is in preschool; and Karla, who is one year old.
Silvia has a general store, and is requesting this loan to buy milk, bread, eggs, canned goods, soft drinks, water, juice, soups, beans, rice, and other things she needs. She almost always buys what people consume the most, which is food. She has had her store for six years already.
Her problem is that there's a lot of competition, and in order to retain her customers and even acquire more, she knows she has to offer the best prices and have the best selection in stock.
Silvia's goal is to fix up her shop, giving it a fresh coat of paint, and to lower her prices to gain customers, since that's what people are looking for.
"I am grateful to Frac and the support it gives us. We are very happy to be working with an institution."
View original language description ↓
El grupo "Union de Cabecera" esta conformado por un grupo de mujeres muy trabajadoras y responsables todas tiene un negocio en donde invertiran su credito como doña Angela invertira en su tienda de abarrotes, Doña Flora invertira para comprar pollos y puercos, Doña Manuela comprara Elotes para vender todas las tardes, la señora Victoria invertira en su papeleria, la señora Cncepcion comprara unos pollos, la señora Sandra invertira en su pequeña tienda de dulces y la señora Silvia representante del grupo invertira en su tienda de abarrotes.
El nombre del grupo lo eligieron porque union es como la amistad que se tienen las integrantes del grupo.
En esta ocacion la representante del grupo es doña Silvia ella tiene 32 años de edad esta casada desde hace 12 años con el señor Alfredo quien trabaja en su despacho juridico juntos han procreado 3 hijos, Mariela de 10 años que se encuentra en quinto grado de primaria, Leisy Kena de 4 años que esta en preescolar y Karla de 1 año de edad.
Doña Silvia tiene una tienda de abarrotes esta vez ha solicitado el credito para comprar leche, pan huevo, productos enlatados, refrescos, aguas, jugos, sopas, frijoles, arroz y otras cosas que le hagan falta por lo regular casi siempre compra lo que la gente consume mas que son los alimentos. Su tienda tiene ya 6 años.
Su problema es que ya tiene mucha competencia, pero para no perder clientes y al contrario ganar mas clientes, ella sabe que debe dar los mejores precios y debe tener la tienda mejor surtida.
La meta que tiene doña Silvia es poder arreglar su tienda darle una pintadita y mejorar los precios para poder ganar clientela ya que eso es lo que busca la gente.
"Gracias a Frac por el apoyo que nos da y estoy muy agradecida por su apoyo, tambien nosotras estamos muy contentas de trabajar con una institucion"

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
  • 3
    View loans »
    Mexico Loans Fundraising
  • $17,325,200
    Funds lent in using Kiva
  • 13.5
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Union De Cabecera Group's $975 loan helped a member to buy milk, bread, eggs, oil, canned goods, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 18, 2011
Listed
Nov 2, 2011
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2012