Gardelias Del Sur Group
Update on Gardelias Del Sur GroupMaría Elena, 29, is married and has three children in school, Carlos and Alexis in elementary school and Kenia in secondary school. Her husband Gregorio, 29, is a farmworker. She works selling rice tamales, a job she has had for approximately a year.
She will invest the loan in the business. She will buy the supplies she uses for the tamales, which are rice, oil, chilis, and leaves to wrap the tamales.
She sells her tamales there in her town. María Elena would like her business to grow more because she says it is of great use in her family as a source of income.
María Elena belongs to Gardelias del Sur Group, which is made up of the following hardworking women: Lidia, Josefina, Benita, Elizabeth, Delia, Marta, María, Guadalupe, and Lizeth. They all work in commercial activities such as selling food, bread, groceries, atole [a corn drink], etc.
Ella se dedica al comercio vende tamales de arroz tiene aproximadamente un años con el negocio el préstamo lo invertirá en el negocio comprará los insumos que utiliza para los tamales como son arroz, aceite, chile, hojas para envolverlos ella vende sus tamales ahí en su pueblo, a doña Maria Elena le gustaría que su negocio creciera mas ya que dice que es de gran utilidad en su familia es una fuente de ingresos.
Maria Elena pertenece al grupo las gardenias del sur el cual esta integrado por puras mujeres trabajadoras a continuación serán mencionadas: Lidia, Josefina, Benita, Elizabeth, Delia, Marta, Maria, Guadalupe, Lizeth, todas realizan actividades comerciales como son: venta de comida, pan, abarrotes, atole, etc.
Previous Loan DetailsLidia is 37 years old, married with 3 children who still study. Luis is in high school, Gerardo is in elementary, and Angelín is in preschool. She has a business selling food from her home. Her loan was for the purchase of supplies used for preparing meals such as meat, chilies, tomatoes, onions,... More from Gardelias Del Sur 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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