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Invierno Group
In this Group: Teresa, Imelda, Rosa, Elizabeth, Adela
Elizabeth, 30, comments: “The very day when I’m getting my new loan is my birthday and I feel happy and joyful because I’m starting a new year of life very encouraged because thanks to what I’m going to be lent I will be able to stock my business.” She’s part of the “Invierno” (Winter) group and she says they named it thus because winter is when her town has the most economic activity because they live in a zone where the monarch butterfly sanctuary is located and every year the magnificent butterflies arrive to produce an unequalled spectacle that draws thousands of tourists from all over the world that come to admire nature’s beauty.

She says that it fills her with pride to be part of a town like this one that people from all over the world know about and tourists from all over the world can admire the crafts the indigenous peoples of Michoacán make. She says that she spends most of the year embroidering napkins, tablecloths and cushions with scenes representative of her town, that is, monarch butterflies that she sells in towns adjacent to her community. She’s now asking for a loan to buy supplies because starting on November 20th each year the sanctuary opens and tourists start arriving and she wants to be stocked up to sell outside the sanctuary. She sells t-shirts, keepsakes like key rings, pencils, wood picture frames with photos of the butterflies, etc. She’s had her stand for more than 14 years.

She has three children and is married to Daniel who works as a day laborer. She comments that when the butterfly season ends in mid-March she works selling in her little, home-based grocery store. Her business goal is to try to get a stationary stand in the sanctuary so that she can sell her crafts each year and not have to pay the high taxes she’s charged to set up her crafts and butterfly keepsake stand.

The other four members of the group are Teresa, Imelda, Rosa and Adela. They will invest the loans they are granted into buying ingredients to make rustic bread, to buy grocery store stock merchandise and to buy ingredients to make Mexican fast-food snacks.
View original language description ↓
Elizabeth tiene 30 años y comenta “justamente hoy que recibo mi nuevo crédito es día de mi cumpleaños y me siento alegre y feliz porque estoy empezando un nuevo año de vida con mucho ánimo porque gracias a lo que me van a prestar voy a surtir mi negocio”. Ella es parte del grupo Invierno y dice que le pusieron ese nombre al grupo porque cuando tiene más actividad económica su pueblo es en la temporada de invierno ya que donde vive se encuentra el santuario de la mariposa monarca donde año con año arriban las grandiosas mariposas para dar un espectáculo sin igual y donde miles de turistas de todo el mundo van a admirar las bellezas de la naturaleza. Dice que a ella le llena de orgullo ser parte de un pueblo como este ya que se conoce gente de todo el mundo y pueden ver los turistas las artesanías que hacen los pueblos indígenas de Michoacán. Dice que casi todo el año ella se dedica a bordar servilletas, manteles, almohadones con lo representativo de su pueblo, es decir, las mariposas monarca y que las vende en poblaciones aledañas a su comunidad y que ahorita está pidiendo un crédito para la compra de material porque a partir del 20 de noviembre de cada año se abre el santuario y empiezan a llegar los turistas y quiere surtir para vender afuera del santuario como playeras, recuerdos como llaveros, lapiceros, cuadros de madera con fotografías de las mariposas ya que tiene su puesto desde hace mas de 14 años. Ella tiene tres hijos y está casada con el señor Daniel quien trabaja como jornalero. Comenta que cuando termina la temporada de mariposa que es a mediados de marzo es cuando empieza a vender en su tiendita de abarrotes que tiene en su casa. Su meta en su negocio es tratar de conseguir un puesto estable en el santuario para que cada año pueda vender sus artesanías y no tenga que pagar tanto impuesto que le cobran por poner su puesto de artesanías y recuerdos de la mariposa. Las otras cuatro integrantes del grupo se llaman Teresa, Imelda, Rosa y Adela ellas invertirán sus créditos que les otorgaran en la compra de insumos para elaborar pan de rancho, para la compra de artículos para surtir tienda de abarrotes, para la compra de insumos para elaborar antojitos mexicanos.


Additional Information

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

  • $11,249
    Average annual income
  • 23
    View loans »
    Mexico Loans Fundraising
  • $18,670,800
    Funds lent in using Kiva
  • 13.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Invierno Group's $3,550 loan helped a member to buy crafts and embroidery supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 13, 2012
Listed
Nov 28, 2012
Currency Exchange Loss:
Possible
Ended:
Aug 18, 2013