El Calvario Group
Update on El Calvario GroupThe group "El Calvario" (The Calvary) consists of 10 members, all of them women, very hard-working people. The group meets on a hill where the best thing to appreciate is the afternoon sun. The members chose the name of the group, and they chose it because in the area where they live there is a chapel which is also called The Calvary, and it is where they observe the crucifixion of Jesus during Holy Week.
Doña Elena, who is part of the El Calvario group, relates that she is 33 years old. She has been married to Señor Victor for 9 years. Together they have formed a family with three children, who are in school. Doña Elena's work for eight years has been making popsicles and ice cream. She makes them to sell, and she comments that she began her business because before they were married Don Victor was already selling popsicles and ice cream. The popsicles and ice creams are made two days ahead of time, since the preparation involves a process of grinding the fruit, putting it into molds to then set it to freeze, and finally putting it in bags. When they have the ice creams and popsicles ready, they gather them in their cart and go out to offer them in the market or in the community where they live. Doña Elena comments, "I very much like to go out to sell my ice creams and popsicles and hear the people say that they like my products. It is the greatest satisfaction that I obtain from my customers." Doña Elena is applying to the institution for the loan to buy more materials to make her popsicles and ice creams, such as sticks, coloring, fruit, and milk.
The difficulty that Doña Elena faces is in the cold season, because nobody buys her products, since the last things people want to eat are cold things like popsicles and ice cream. However, this does not stop her from having a dream of someday having a bigger freezer. This will help her so that her daughters can some day have a professional career and have a better quality of life.
The members of the group are very happy with the credit offered, since they will be able to invest in their businesses, such as Doña Felicitas, Elia, and Enriqueta in a little grocery store; Cristal in construction tools; Petra, Maria Guadalupe, Luisa, and Margarita in sheep; and Doña Alberta in clothes.
Doña Elena quien forma parte del grupo "El Calvario" platica que tiene 33 años de edad está casada con el señor Víctor desde hace 9 años juntos han formado una familia con tres niños que se encuentran estudiando, Doña Elena se dedica a realizar paletas de hielo y helados desde hace 8 años Doña Elena las realiza para después venderlas, comenta que inicio con su actividad porque antes de que se casaran Don Víctor ya se dedicaba a la venta de sus paletas y helados, las paletas y helados son preparados desde dos días antes ya que para la elaboración es todo un proceso como moler la fruta, poner en moldes para después ponerlos a congelar y finalmente embolsarlos, preparar el helado, cuando ya tienen sus helados preparados y paletas colocan todo en su carrito y salen a ofrecer al mercado o en la comunidad donde viven sus helados, Doña Elena comenta "Me gusta mucho salir a vender mis helados y paletas y escuchar a las personas decir que les gusta mis productos esa es la mejor satisfacción que obtengo de mis clientes" Doña Elena está solicitando el crédito a la institución para comprar más material para la realización de sus paletas y helados como palos, colorantes, fruta, leche y leche.
La dificultad que presenta Doña Elena es en la época de frio porque nadie comprar sus productos las personas lo menos que consumen son las cosas frías como las paletas y helados, Aunque esto no la detiene a tener sueños de llegar algún día a tener una nevería mas grande esto le ayudara para que sus hijas tengan algún día una carrera profesional y puedan tener una mejor calidad de vida. Los integrantes del grupo están muy contentos por el crédito otorgado ya que podrán invertirle en sus negocio como Doña Felicitas, Elia y Enriqueta en una pequeña tienda de abarrotes, Cristal herramientas para construcción, Petra, María Guadalupe, Luisa y Margarita en borregos y Doña Alberta en ropa.
Previous Loan DetailsThe group "El Calvario" (the Calvary) is made up of 9 members, all hard working women. The group meets on a hill where one can enjoy the sun in the afternoons. The group name was chosen by the members because where they live there is a chapel that is also named El Calvario and its there that the… More from El Calvario 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.
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