La Ceiba (Flat) Group
Update on La Ceiba (Flat) GroupThis group is called “La Ceiba” and it’s composed of six women each with her own activity. They live in a neighborhood called Luis Espinosa that’s an hour away from Tecpatan.
Elsy’s the name of the one who was interviewed. She’s married to Saul and they have a daughter who is still their responsibility; she’s six-years-old.
She requested the loan to buy ranch-bred chickens and turkeys. She’s been working for thirty-one years and five months and comments that she does well in that with it she and her small family has been getting ahead.
She started this activity in order to help her husband with household income and also to buy things needed in the home and to contribute money together. What she wants with her small activity is to be able to continue working to continue supporting her daughter who is about to finish pre-school and start first grade.
The members of the group are: Leila Yolanda who will invest in her business buying and selling Jafra brand cosmetics, Normaida who will buy and sell ranch-bred chickens, Candelaria who will buy ingredients needed to make cheese, Leticia who will buy ranch-bred chickens to sell by the piece and Margarita who will buy merchandise to stock her grocery store.
El grupo se llama La Ceiba y se integra de seis señoras quien cada una se dedica su respectiva actividad y vive en una colonia llamada Luis espinosa que esta una hora de Tecpatan.
Quien se le tomo la entrevista se llama Elsy quien es casada con el señor Saúl con quien procreo una hija quien a un está a su responsabilidad y tiene seis años de edad.
Ella solicito el préstamo para invertirlo en la compra y venta de pollos y pavos de rancho en donde lleva trabajando treinta y un años y cinco meses en la que comenta que le va bien ya que con ello a estado saliendo adelante con su pequeña familia.
Inicio con esta actividad para apoyar a su esposo con los ingresos de la casa y así también comprar las cosas necesarias en su hogar y juntos aportar dinero.
Lo que desea es que con esta pequeña actividad ella pueda seguir trabajando para así seguirá poyando a su hija que está por iniciar por salir de preescolar y entran de primero en la primaria.
Quienes integran en el grupo son: Leila Yolanda quien invertirá en la compra y venta de cosméticos de la marca Jafra, la señora Normaida invertirá en la compra y venta de pollos de rancho, la señora Candelaria invertirá en la compra de ingredientes para la elaboración de quesos, la señora Leticia invertirá en la compra de pollos de granja para venderlo destazado y la señora Margarita invertirá en la compra de mercancía para surtir su negocio de abarrotes.
Previous Loan DetailsThe “La Ceiba” (the silk-cotton tree) group is comprised of five members who are each engaged in different activities. They are located in a small region where there is a very pretty river. Leticia was interviewed and requested the loan to invest in the purchase and sale of chickens. She has... More from La Ceiba (Flat) 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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