El Lirio Group
Update on El Lirio GroupMaría Santa is another member of the “Lirio” (Lilly) group. She’s 29 years old and did not have the opportunity to attend school. She’s married to Vicente and they have two children.
María Santa relates that ten years ago she was anxious to go to work to help her husband with household expenses so she opened a little grocery store. She says that she likes her business very much because it doesn’t require too much of her time and she doesn’t neglect her family. She’s very happy that as time has passed she’s acquired many customers who come by to make their purchases. Despite the store being small, it’s very well stocked so that her customers always find what they are looking for and won’t have to go to other stores. Her business has taught her family teamwork because they all take turns tending to it. She will use the loan to buy oil, canned food, beans, rice, soft-drinks, candy, Sabritas [brand of snacks], sweet bread, cookies, salt, sugar, mayonnaise, soap and chlorine bleach to stock her store.
She hopes with this investment that her store will acquire more customers so that her profits will increase and she will be able to offer her children more schooling and a better quality of life.
The rest of the group members are:
Celia – sells clothes
Irma – sells chicken
Laura – sells chicken
Felipe – chair rental
María del Carmen – food sales
Emmanuel – tire repair shop
Ernesto – food sales
Maria Santa es otro de los integrantes del grupo el lirio, ella tiene la edad de 39 años, no tuvo la oportunidad de estudiar y esta casada con el señor Vicente con el cual tiene dos hijos. Doña Maria Santa platica que desde hace 10 años tuvo la inquietud de trabajar para ayudar a su esposo con los gastos del hogar asi que abrió una pequeña tienda de abarrotes, ella dice que le gusta mucho su negocio ya que no le quita mucho tiempo y así no descuida a su familia. Ella este muy contenta ya que con ele paso de los años ha hecho muchos clientes los cuales acuden a hacerle el gasto, apesar de que su tienda es pequña esta muy bien surtida para que sus clientes siempre encuentren lo que buscan y no vallan a otros negocios, su negocio le ha enseñado a su familia el trabajo en equipo ya que entre todos se turnan para atenderlo. ella invertira este credito en la compra aceite, comida enlatada, frijoles, arroz, refrescos, dulces, sabritas, pan dulce, galletas, sal , azucar , mayonesa, jabon y cloro para resurtir su negocio.
ella desea que con esta inversion su negocio gane mas clientes para que sus ganancias aumenter y poder ofrecer a sus hijos mas estudios y una mejor calidad de vida.
los demas integrantes del grupo son:
Celia venta de ropa
Irma venta de pollo
Laura venta de pollo
Felipe renta de sillas
Maria del carmen Venta de comida
Ernesto venta de comida
Previous Loan DetailsThe group "El Lirio" is made up of 10 people who each work in different businesses. This group is located in a sugar cane region, and the neighborhood where they live is surrounded by sugar cane crops. Hugo is one of the members of this group. He is 25 years old, and completed the third year… More from El Lirio 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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