Noche Buena Group
Update on Noche Buena GroupThe group is called Noche Buena and it is made up of four women who work in the following: María Efrocinia and Fabiola Patricia will invest in buying ingredients to make bread, Betzaida in buying and selling cattle, and Adelina, who sells tamales.
Adelina is in a common law marriage with Alberto, with whom she has six children whom they are still raising and who are in school.
The loan she asked for is to invest in buying ingredients such as: corn, oil, meat, raisins and more to make tamales. She has been doing this for a year and five months and it is going well for her, since she has improved her income a lot.
She started this activity because she wanted to help her husband with the household income and get their little family ahead. Giving them what they need is the most important thing for her.
What she wants the most from her activity is better income so she can save and buy pots to cook the tamales and give her customers a better service.
El grupo se llama noche buena y se integra de cuatro señoras quienes se dedican a:
María Efrocinia y Fabiola Patricia invertirán en la compra de ingredientes para la elaboración de panes, la señora Betzaida en la compra y venta de ganados Y Adelina quien vende tamales.
Adelina ella vive en unión libre con el señor Alberto y con quien procreo seis hijos que aún están a su responsabilidad y están estudiando.
El préstamo que ella solicito es para invertirlo en la compra de ingredientes como son: maíz, aceite, carne, pasas, entre otros para la elaboración de tamales en donde lleva trabajando un año cinco meses y la va bien ya que con ello ha logrado mejorar mucho sus ingresos.
Ella inicio con esta actividad ya que también quiere apoyar a su esposo con los ingresos de la casa y así sacar adelante a su pequeña familia que es lo más importante para ella darle lo más necesario.
Lo que más desea de su actividad es que sus ingresos mejores para a horrar y comprar ollas para cocinar los tamales y así darles un mejor servicio a sus clientes.
Previous Loan DetailsMaria Efrocinia is a member of the group "Noche Buena". She is married to Alberto and they have a son named Luis Enrique who is 14 years old. She asked for a loan to invest in the purchase of ingredients to make breads. She has been doing this for 10 months and tells us that it is going well a... More from Noche Buena Group's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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.
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