Las Estrellas De San Marcos Group
Update on Las Estrellas De San Marcos GroupRobisel is 36 years old, married, and has three children, two of whom study. Maria Guadalupe is in sixth grade, Edisel is in fourth grade, and Oswaldo is just four years old. Her husband's name is Epifanio and he is a farmer. She works selling roasted chicken, and said she has had her business for a year and it is going well. She has her business next to the sports field in her town where the people know she begins selling chicken very early in the morning. Robisel will use her loan to buy supplies she uses to prepare food, such as peppers, chicken, firewood, charcoal, etc. She hopes her business goes well and wishes to expand it. She very much wants to works to help her family.
Robisel belongs to the Estrellas de San Marcos (Stars of St. Mark) Group, which is made up of 10 people, all of whom are women. Santa Ana, Idalia, Leobarda, Maria Marcelina, Leodegaria, Guadalupe, Rosa, Maria Soledad, and Mirella all work in sales. They sell food, bread, tamales, clay pots and tortilla skillets, soft drinks, shoes through catalog, and groceries.
Ella se dedica al comercio vende comida pollos asados ella dice que le va muy bien tiene un año con el negocio, tiene su negocio junto a la cancha del pueblo donde ahí la gente ya sabe que ella a muy temprana hora esta vendiendo el pollo, robisel invertirá su préstamo en la compra de los insumos que utiliza para la elaboración de comida como son: chile, pollos, leña, carbón, etc. Ella espera que le vaya muy bien con el negocio ya que espera ir incrementándolo esta con todas las ganas de trabajar para ayudar a su familia.
Robisel pertenece al grupo las estrellas de san marcos el cual esta integrado por 10 personas las cuales todas son mujeres a continuación serán mencionadas: Santa Ana, Idalia, Leobarda, Maria Marcelina, Leodegaria, Guadalupe, Rosa, Maria Soledad, Mirella, todas realizan actividades comerciales como son: venta de comida, pan, tamales, ollas y cómales de barros, refrescos, calzado por catalogo y productos de abarrotes, etc.
Previous Loan DetailsIdalia, age 30, is married and has three children. Estefany, the oldest, is in her second year of high school. Daniel is in elementary school, and Jonatán is only two years old. Her husband, Daniel, is a farmer. She has a business selling tamales. Idalia has known how to get ahead in the… More from Las Estrellas De San Marcos 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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