El Penjamo Group
Update on El Penjamo GroupElisandra, 24, is married with 2 daughters. Her eldest, Maria, is 7 years old and is in the 1st grade and Perla is 4 years old. Her husband’s name is Sirilio and he works in masonry.
She sells beauty products, like cosmetics, perfumes, creams and has been selling them door-to-door for 3 years. She’ll invest her loan in buying more beauty products, like oils, shampoo, perfumes, creams, etc. She hopes her business will continue going well, as she’d like to have an establishment where she can sell her products.
Elisandra is a member of El Penjamo Group, a name taken from the colony in which the 11 members of the group live. These hard-working, committed women are as follows: Elsa, Orfedelia, Nelida, Ana, Antonia, Fulgencia, Maria, Verónica, Ma Félix and Beatriz. They all work selling products such as accessories for women, jewelry, vegetables, fruit, clothing, prepared food, jugs of purified water, desserts, perfumes, cosmetics, grocery items, chicken, etc.
Ella se dedica al comercio de cosméticos vende perfumes, cremas, sale a vender a las casas de las vecinas sus productos ya tiene 3 años con el negocio, ella invertirá su préstamo en la compra de sus cosméticos como son: aceites, shampoo, perfumes, cremas, etc. Ella espera que le vaya muy bien con el negocio ya que le gustaría establecerse en un lugar para vender sus productos.
Elisandra pertenece al grupo el penjamo el cual lleva el nombre de la colonia donde viven el grupo esta integrado por 11 mujeres trabajadoras las cuales están comprometidas con el trabajo a continuación serán mencionadas: Elsa, Orfedelia, Nelida, Ana, Antonia, Fulgencia, Maria, Verónica, Ma Félix, Beatriz, todas realizan una actividad comercial como son: accesorios de mujer, artículos de bisutería, verduras, frutas, ropa, venta de comida, garrafones de agua purificada, repostería, perfumes, cosméticos, productos de abarrotes, polleria, etc.
Previous Loan DetailsMrs. María is 66 years old, has 5 children, is married to Miguel, and works in the countryside. She sells groceries in a grocery store. She will use her loan to stock her store with more sodas, juices, soap, oil, etc. She says this business has helped her maintain her family. María would like... More from El Penjamo 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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Success!! The loan was 100% repaid