La Guadalupana Group
Update on La Guadalupana Group“La Guadalupana” is a group composed of 8 enterprising women. Adela sells fast-food, Nicolasa meat, Elvira raises pigs, Rosa Elvira sells fast-food, Bernarda sells groceries, Rodolfa sells crafts, Yessenia sells clothes and Maclovia sells fast-food. This group is located in a sugar producing region.
Nicolasa, 43, studied up to third year of secondary school. She’s married to Amado who is a musician. The couple has three children who attend school. She tells us that three years ago she decided to start working to help her husband with household expenses.
She started out selling chili-seasoned meat and longaniza [sausage] a little more than ten years ago and cosmetics four years ago. She sells house to house offering her meat and showing her catalogues to take orders. She tells us that even though it is work that requires a lot of walking, she likes it because she gets to meet more people and acquire more customers.
She needs the loan to buy catalogues, lipstick, perfume, deodorant, eye liner, liquid make-up, nail polish, meat and a variety of chilies. Nicolasa hopes that with this investment her business will prosper because she wants to give her children a better quality of life.
La señora Nicolasa tiene la edad de 43 años, estudió hasta el tercer año de secundaria; está casada con el señor Amado quien es músico. La pareja tiene 3 hijos los cuales asisten a la escuela. Ella nos comenta que desde hace 3 años decidió iniciar a trabajar para porder apoyar a su esposo con los gastos del hogar. Inició vendiendo carne enchilada y longniza hace un poco más de 10 años y cosméticos hace cuatro años, sus ventas las realiza casa por casa ofreciendo su carne y mostrando su catálagos para levantar pedidos. Ella nos dice que aunque es un trabajo donde se debe caminar mucho, le gusta, ya que tiene la oportunidad de conocer más personas y hacer más clientes. Ella necesita este crédito para la compra de catálogos, lápiz labial, perfumes, desodorantes, delineador, maquillaje líquido, esmalte, carne y variedad de chiles. Doña Nicolasa espera que con esta inversión su negocio pospere pues desea darle a sus hijos una mejor calidad de vida.
Previous Loan DetailsAdela is a member of a group called 'La Guadalupana'. This group has ten members who are all tenacious, hard-working and kind women. Each of the women has her own business activity. Adela is 49 years old and studied up to the third year of elementary school. She is married to Erasmo who is a… More from La Guadalupana 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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