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Mu´ssha Group
In this Group: Venancio, Aurelia , Josefa, Elpidio, Aurelia, Maria Eduwiges, Yolanda

Update on Mu´ssha Group

Josefa, 67, is a widow. She lives alone and is a very hardworking, very cheerful woman who belongs to an indigenous town called Francisco Serrato where the Mazahua culture still predominates. She’s part of the group called “Mussha.” She says that they formed this group because several of the people wanted to start business of their own because people in the big towns wouldn’t hire them because they came from indigenous communities. “People in the cities sometimes discriminate against us because we speak our own dialect and dress in traditional, multi-colored skirts and they don’t want to hire us which is why we are asking for loans to set up our own businesses,” she says.

She says that she did not go to school because she’s been an orphan since she was very little and her grandmother didn’t care one way or the other if she went to school or not. She says that she taught herself to embroider when she was very little and also how to plant since she has large parcels of land with very fertile soil that produces very good quality corn.

She has a business selling candy, fast-food snacks, soft-drinks and juice outside a school and her town’s health center and she says that she does well since there are just two stands there. She buys the candy in a nearby town where she finds low prices and the soft-drinks are delivered to her by the various soft-drink company delivery trucks.

Right now she’s asking for a loan because she wants to stock her stand and also wants to sell marigolds and velvet to sell in her community for the Day of the Dead since year after year residents in her community visit the graves of their departed and decorate them with flowers and food which is why the loan is urgently needed now so she can buy everything she needs.

She says that she’ll go buy the flowers in a town near her community that specializes in growing this type of flower used for Day of the Dead. She says that she’s very happy because she thinks she’ll do very well. She’s grateful to Vision Fund because her life has been improving thanks to the loans she’s requested because with profits obtained she’s been buying one or two sheets of metal to make improvements in her little house because it’s made of wood and pasteboard.

The other six members of the group are Venancio, Aurelia, Elpidio, Aurelia, María Eduviges and Yolanda. They will invest their loans in a carpentry shop buying supplies to manufacture furniture, in a sewing shop buying fabric and supplies to make traditional indigenous costumes, to stock up on soft-drinks to sell, to buy supplies to do artisanal embroidery and to buy some goats to raise and then sell.
View original language description ↓
Josefa tiene 67 años de edad es viuda, vive sola y es una mujer muy trabajadora y muy alegre ella pertenece a un pueblo indígena llamado Francisco Serrato donde todavía predomina la cultura mazahua, ella es parte del grupo llamado Mussha. Dice que hicieron este grupo porque varias de las personas querían emprender sus propios negocios ya que la gente en los pueblos grandes no les dan trabajo debido a su condición de ser de comunidad ella dice “la gente de las ciudades abeces nos discrimina porque hablamos nuestro dialecto y porque nos vestimos con faldones de colores y no nos quieren dar trabajos es por eso que pedimos mejor créditos para hacer nuestros propios negocios”. Dice que no estudio porque es huérfana desde muy pequeña y su abuela no le importaba que fuera a la escuela, dice que desde muy pequeña se enseño a bordar y a sembrar ya que tienen terrenos muy grandes donde la tierra es noble y da un maíz de muy buena calidad, ella tiene un negocio de venta de dulces, frituras, refrescos jugos afuera de una escuela y del centro de salud de su población y dice que le va bien ya que nada mas son dos puestos que se ponen, los dulces los compra en una población cercana a la de ella donde le dan precios bajos y el refresco se lo llevan los carros de diferentes compañías refresqueras. Ahorita esta pidiendo un crédito porque quiere surtir su puestecito y también quiere comprar flores de cempasúchil y de terciopelo por que las quiere vender el día de muertos en su localidad, ya que años con año la gente de su comunidad va a las tumbas de sus difuntos y adornan con flores y con comida sus tumbas es por eso que ahorita le urge su préstamo para ir comprando lo necesario. Dice que las flores ira a comprarlas a una población que esta cerca de su comunidad donde se dedican a cultivar ese tipo de flores para la época de muertos. Dice que está muy contenta porque cree que le ira muy bien y agradecida con Visión Fund porque su vida a mejorado atravez de los créditos que ha pedido ya que con las ganancias ha estado comprando de una o dos laminas para mejorar su casita ya que es de madera y lamina de cartón. Los otros seis integrantes del grupo se llaman Venancio, Aurelia, Elpidio, Aurelia, María Eduviges y Yolanda ellos invertirán sus créditos para una carpintería y comprar sus materiales que ocupa para hacer muebles, para un taller de costura comprara telas y material para hacer prendas de sus vestimentas indígenas, para surtir refresco que vende, para la compra de material para hacer bordados artesanales y para la compra de unos borregos para criarlos y después venderlos.

Previous Loan Details

Aurelia is originally from the community of Francisco Serrato, located in the state of Michoacan. It is a locality that is rich in pine trees and it has a beautiful view of its forests. Here, the Mazahua language and clothing are predominant. Aurelia says that she is an artisan who produces ladie... More from Mu´ssha Group's previous loan »

Additional Information

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.

About Mexico

  • $15,600
    Average annual income
  • 58
    View loans »
    Mexico Loans Fundraising
  • $20,015,475
    Funds lent in using Kiva
  • 13.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Mu´ssha Group's $2,625 loan helped a member to buy marigolds, candy, soft-drinks and juice to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 14, 2012
Currency Exchange Loss:
May 17, 2013