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Familia Hernandez Group
In this Group: Maria Guadalupe, Irma , Hilario
Familia Hernández: the group has this name because it was chosen by Guadalupe because only members of the Hernandez family participate, such as her husband Hilario and her daughter in law Irma. This is the first time they are on the loan.

They work as merchants. Guadalupe is the group's representative. She is 60 year old and has been in a common law marriage with Hilario for 33 years. Hilario works in the fields.

The three will invest in their businesses, a grocery store and paper store. These are family businesses. Irma attends to the store. Her husband started the business but she is the one who is in charge of it. She has been doing this for three months, but the business is already 30 years old. Guadalupe and Hilario run it.

This time, Guadalupe has taken out the loan to buy everything she needs for the business, such as detergent, milk, bread, eggs, canned goods, drinks, rice, and seeds. Irma will invest in her paper store such as backpacks and notebooks, which is what is most needed at this time.

Guadalupe's challenge is that there is a lot of competition. A lot of stores have been opened nearby and because of that her sales have gone down considerably, since before she made double or triple what she makes now. Nonetheless, one of her goals is to have a well stocked store again, since a lot of store close quickly, but she has always liked having her store. She would also like to enlarge it a little.

They are very grateful for the loan. Guadalupe remarks: “I am very happy with the opportunity that has been given me, since without your help I would never have been able to lift the business up, because I didn't have the money to buy what my store needed. For us it has been very difficult to get money, since my husband makes very little, and the earnings from the store are to make more.”
View original language description ↓
Familia Hernández el grupo se llama así ya que el nombre se lo eligió doña Guadalupe porque en el solo participan familiares Hernandez su esposo Hilario y su Nuera Irma, es la primera vez que están en el crédito.
Sin embargo ellos se dedican al comercio doña Guadalupe quien es representante del grupo tiene 60 años de edad vive en unión libre con el señor Hilario desde hace 33 años don Hilario trabaja en el campo,
Los tres invertirán en sus negocios la tienda de abarrotes, y la papelería, son negocios familiares, la tienda la atiende Irma el negocio lo inicio sus esposo pero ella es quien ha quedado a cargo, lleva poco escasamente tres meses, y la tienda lleva ya 30 años esa la atiende doña Guadalupe, y don Hilario.
Esta vez doña Guadalupe ha adquirido el crédito para comprar todo lo que le hace falta en el negocio como detergente, leche, pan , huevo, productos enlatados, harinas, refrescos, arroz, semillas, mientras que Irma invertirá en la papelería, comprado mochilas, y cuadernos que es lo que mas le urge por el momento.
El desafío que presenta doña Guadalupe es que tiene mucha competencia abren muchas tiendas cercanas a la de ella por eso sus ventas han bajado considerablemente ya que anteriormente obtenía el doble o triple de ganancias que las que ahora saca.
Sin embargo una de sus metas es volver atener la tienda bien surtida, ya que muchas veces las tiendas cierran muy rápido pero ella siempre le ha gustado tener su tienda, también quisiera ampliarla un poco mas.
Ellos están muy agradecidos con el préstamo que les hace doña Guadalupe comenta “Estoy muy contenta por la oportunidad que me han brindado, ya que sin su ayuda yo no podría haber levantado nunca el negocio, porque no tenia dinero para comprar lo que a mi tienda le hace falta, para nosotros es mucho mas difícil conseguir dinero ya que mi esposos gana muy poco y las ganancias de la tienda son para irla pasado”

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
  • 4
    View loans »
    Mexico Loans Fundraising
  • $17,310,650
    Funds lent in using Kiva
  • 14.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Familia Hernandez Group's $1,075 loan helped a member to buy bread, milk, eggs, drinks, and canned goods.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 14, 2011
Listed
Dec 19, 2011
Currency Exchange Loss:
Possible
Ended:
Apr 15, 2012