Las Palomas Group
Update on Las Palomas GroupÁngela belongs to the communal bank Las Palomas. She is 51 and only finished elementary school. She is married to Jorge, and their two children attend elementary school. Ángela started her own business because her financial situation was worsening, she had little money, and she wished to provide her children with better circumstances. Five years ago, she began selling shoes through catalogs to her friends and neighbors. She goes out in the afternoon to show her customers catalog merchandise and take orders for later delivery.
The best selling seasons occur during parades and holidays, since the customers like to show off then. She likes that this business lets her work in her free time and also do her housework. She will use the loan to buy shoes to continue making sales. She would like to set up a store in her house one day so that she doesn't have to sell door-to-door. She also wants to give her children the chance to go to college.
The other members and their businesses are: Perfecta sells chicken; José Luis sells costume jewelry; Heidi sells household items; Deysi sells household items; Guadalupe sells clothing; Consepcion sells clothing.
Doña Ángela platica que ella decidió iniciara a trabajar en su propio negocio ya que cada dia la situacion economica esta peor el dinero no rinde y quiere brindar a sus hijos un mejor nivel de vida. Doña Ángela desde hace un poco mas de 5 años realiza ventas de zapatos por catalogo con sus amigos y vecinos de su comunidad, ella hace sus ventas saliendo por la tardes a mostrar sus catalogos a sus clientes para levantar pedidos los cuales surte posteriormente y entregra.
Ella dice que hay temporadas cuando se vende mas que son en meses de desfiles o fiestas ya que la gente quiere estrenar, Lo que mas le gusta de sus actividad es que la realiza en su tiempo libre y no descuida sus labores del hogar.
Ella invertira este credito en la compra de variedad de Zapatos para continuar realizando sus ventas.
Ella quiere a futuro poder tener su negocio fijo en su hogar para no tener que caminar tanto y poder dar a sus hijos la oportunidad de ir a la universidad.
los demas integrantes de este grupo son :
Perfecta venta de pollo
José Luis venta de bisuteria
Heidi venta de topper(articulos para el hogar)
Deysi venta de topper(articulos para el hogar)
Guadalupe venta de ropa
Consepcion venta de ropa
Previous Loan DetailsThe Las Palomas group has seven cheerful, friendly and hard-working members, each of whom has their own business activity. Perfecta sells chicken, Raquel sells clothing, Maria Isabel sells cosmetics, Cipriana Gabriela sells food and provides a dressmaking service, Angela sells footwear, and Cels... More from Las Palomas 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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