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Rachería La Carrera Group
In this Group: Rosa María, María Esthela, Marisela, Emma, María Angélica, Celia, Elidia
The following group is called “Ranchería la Carrera” (La Carrera Hamlet). The members of this group decided on this name because that’s what the place they live in is called. It’s characterized by being a tranquil community. It is a very small community and practically all the residents know each other. This group is formed by seven very optimistic, hardworking women who decided to join together in a group because they saw an opportunity to develop an economic activity that would help them contribute to their families’ support.

The names of the members and their respective activities are as follows:
1.- Rosa María G. (to buy four lambs and pasturage)
2.- María Esthela S. (to buy lambs to sell)
3.- Marisela G. (to buy chickens to sell and chicken feed)
4.- Emma C. (to buy groceries to sell)
5.- María Angélica R. (to buy 5 lambs to sell)
6.- Celia M. (to buy 5 lambs to sell and pasturage)
7.- Elidia H. (to buy 3 lambs to sell)

Rosa María, 47, only completed first grade. She does house work. She’s the group representative and has been married to Claudio Víctor for 30 years; he works as a bricklayer. They have nine children three of which still are dependent on them and attend 7th, 9th and 11th grades.

Rosa is a FRAC client and is very responsible and optimistic. She requests this loan because she buys and sells sheep and chickens and also for feed and medicine to raise them with. She comments that she buys the chicks at her town’s veterinary so that they will be healthy and sometimes she also buys them in her community; she buys the sheep in her community.

She raises them at home and clears them of parasites in order to sell them later on. She comments that it usually takes her four months to sell her chickens and up to a year to sell a little lamb. She has three years’ experience in this type of business so she knows she’ll do very well. “What I do is raise my little animals and when they are ready I sell them earning profits. I reinvest the money and also use it for food for my family. To date, the only problem I’ve faced is that sometimes my little animals get sick, especially the little lambs, and they sometimes die of their illnesses. But I’m sure and I trust that everything will turn out very well because I want to continue working hard because in the future I’d like to start a napkin and thread business,” Rosa comments hopefully.
View original language description ↓
El siguiente grupo tiene el nombre de “Ranchería la Carrera”, las integrantes de este grupo decidieron ponerle este nombre ya que así se llama la localidad donde ellos viven, ésta se caracteriza por ser una comunidad muy tranquila, es una comunidad pequeña y prácticamente todos los habitantes se conocen unos a otros, este grupo lo conforman siete mujeres muy optimistas y trabajadoras, las cuales decidieron unirse a este grupo porque en él vieron una buena oportunidad para desarrollar una actividad económica que pudiera ayudarles a contribuir en el sustento de su familia.
Los nombres de las integrantes y sus respectivas actividades son las siguientes:
1.- Rosa María G. (compra de 4 borregos y pastura)
2.- María Esthela S. (compra de borregos para vender)
3.- Marisela G. (compra de pollos para vender y alimento)
4.- Emma C. (compra de abarrotes para vender)
5.- María Angélica R. (compra de 5 borregos para vender)
6.- Celia M. (compra de 5 borregos para vender y pastura)
7.- Elidia H. (compra de 3 borregos para vender)
Doña Rosa María es una mujer de 47 años de edad que estudió hasta el primer año de primaria, la cual se dedica al trabajo en el hogar, ella es la representante de este grupo y está casada desde hace 30 años con el señor Claudio Victor el cual se dedica a los trabajos de albañilería, juntos tienen 9 hijos, de los cuales 3 aún dependen de ellos y estudian en 1° de secundaria, 3° de secundaria y 2° de prepa. La señora Rosa es clienta de FRAC y es muy responsable y optimista, ella solicita este crédito porque ella se dedica la compra y venta de borregos y pollos, además de alimento y medicamentos para criarlos. Comenta que los pollos los compra en la veterinaria de su municipio para que estén sanos y a veces los compra también en su comunidad, y los borregos los compra en su comunidad, de esta manera los cría en su casa y desparasita, para posteriormente venderlos, comenta también que el tiempo necesario para que ella pueda vender sus animalitos es de 4 meses para vender sus pollitos y hasta un año para vender un borreguito, ella tiene 3 años de experiencia en este tipo de negocio por lo que sabe que le irá muy bien. “Lo que yo hago es criar mis animalitos, cuando ya están listos los vendo y saco una ganancia y el dinero para volver a invertir y para la comida de mi familia, hasta ahorita el único problema que he enfrentado es que a veces se me enferman mis animalitos, más los borreguitos y en ocasiones se mueren por enfermedad, pero estoy segura y confío que todo saldrá muy bien, porque en un futuro me gustaría seguir echándole ganas porque quiero poner un negocio de servilletas e hilos” Comenta doña Rosa con muchas esperanzas.

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

  • $15,600
    Average annual income
  • 29
    View loans »
    Mexico Loans Fundraising
  • $19,068,050
    Funds lent in using Kiva
  • 12.8
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Rachería La Carrera Group's $3,225 loan helped a member ranchería la Carrera.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 9, 2012
Listed
Mar 29, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2012