Las Estrellitas Group
Update on Las Estrellitas GroupThe group known as "Las Estrellitas" is made up of 5 women who all live in a neighborhood called Colosio and run different businesses.
The interviewee was Maria Jesus. She is 31, married to Jose Omar, and they have three children who are in preschool and elementary school. This is her first time as a member of the group, and she is asking for a loan to buy ingredients to make meals to sell at the high school where she has been working for two years. She says that it's going well because with her work she has made more money for their household. She was inspired to to this work to support her husband with their income and give her family the things that they need so that they can keep moving forward for as long as God gives them life.
What she wants most is to keep working so that she can expand her business a little, because right now where she sells is sort of informal.
The group members are: Irma, who will buy agricultural products like ground coffee, tascalate [a chocolate drink blend] and animal feed made of rice bran; Matilde will invest in dishes for resale; Flor de Maria will buy chicken feed; and Martha will purchase ingredients to make meals.
El grupo se llama las estrellitas y se integra de cinco señora quien cada una se dedica a su respectiva actividad y vive en un barrio llamado Colosio.
Quien se le tomo la entrevista se llama María Jesús tiene treinta y un años de edad, vive en unión libre con el señor José Omar con quien procreo tres hijo que aun están a su responsabilidad y estudian en preescolar y primaria.
Ella es la primera vez que se integra en el grupo y solicito el préstamo para invertirlo en la compra de ingredientes para la elaboración de comidas para vender en la secundaria en donde lleva trabajando dos años en la que comenta que le va bien ya que con ella a logrado genera más ingresos en su hogar.
Se inspiro en esta actividad para apoyara a su esposo con sus ingresos y así darle lo mas necesario a su familia y logren seguir adelante mientras dios les preste vida.
Lo que desea es que en esta actividad ella siga trabajado para así agrandar un poco mas su negocio ya que en donde vende está un poco informal.
Las personas que integran en el grupo son: la señora Irma , quien invertirá e préstamo en la compra de productos agrícolas, como café molido , tascalate, y polvillo , Matilde invertirá el préstamo en la compra y venta de trastes, Flor de María invertirá el préstamo en la compra de alimentos para la crianza de pollos de rancho y la señora Martha invertirá en la compra de ingredientes para la elaboración de comidas.
Previous Loan DetailsMartha lives in a beautiful town. She is single and wants to succeed in her business. Martha is requesting a loan to invest in the purchase of clothing for women, men, girls, and boys so that she can sell these items in the neighboring communities close to where she lives. She has been in… More from Las Estrellitas 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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