El Pedregal Group
Update on El Pedregal GroupAlicia is a member of the group "El Pedregal." She is 38 years old. She only completed her secondary education. She is married and has three children who attend the community's primary school. A little more than 9 years ago, she began to sell shoes and cosmetics through catalog sales. She sells door-to-door with her friends and neighbors. She first shows her catalogs, then takes an order, delivers it to her suppliers, and when the package arrives, she delivers it to her customers and receives the payment for the product. Besides selling shoes and cosmetics, Alicia sells traditional corn-based Mexican dishes (empanadas, tostadas, tacos, gorditas) and candies from Monday to Friday at the community's primary schools during the children's recess time. She needs this loan in order to buy catalogs, shoes, perfumes, cosmetics, tomatoes, chiles, onions, meat, oil, salt, cream, cheese, and gas for the stove. She hopes that with this loan her business prospers since she wants to provide her children with a better quality of life, and in the future, the means to study a profession so that they can move forward.
The others members of the group are Isidra, who sells food; Blanca, who sells clothing; Edith, who sells clothing; Paula, who sells refreshments; Indira, who sells quilted cloths; Olga, who sells footwear; Alvaro, who is an electrician; and Soila, who sells refreshments.
La señora Alicia es miembro del grupo El Pedregal, ella tiene 38 años de edad, estudio solo la secundaria, se encuentra casada, y tiene 3 hijos los cuales asisten a la primaria de la comunidad. Ella platica que hace un poco mas de 9 años inició a vender zapatos y cosméticos por catalogo, los cuales vende casa por casa con sus amigos y vecinos. Ella primero lleva a mostrar sus catalogos, levanta un pedido, lo encarga a sus proveedores y cuando su paquete llega lo entrega a sus clientes y recibe el pago por sus productos. Doña Alicia demas de vender sus zapatos y cosmeticos vende de lunes a viernes antojitos mexicanos (empanadas, tostadas. tacos, gorditas) y dulces en la primaria de su comunidad en la hora en la que los niños salen al recreo. Ella necesita este credito para invertirlo en la compra de catalogos, zapatos, perfumeria, cosmeticos, tomates, chiles, cebollas, carne, aceite, sal, crema, queso y gas. Ella espera que con esta inversion su negocio propere ya que desea darle una mejor calidad de vida a sus hijos y que en un furuto estudien una profesion para que puedan salir adelante.
Los demas integrantes del grupo se llaman:
Isidra venta de comida
Blanca venta de ropa
Edith venta de ropa
Paula venta de refrescos
Indira venta de colchas
Olga venta de calzado
Alvaro servicio electrico
Soila venta de refrescos
Previous Loan DetailsOscar is a member of the El Pedregal Group. This group has 4 members who live in the community of Acatlan de Perez Figueroa that is known for being located in the sugar cane belt and everyone works in the planting and growing of sugar cane. Oscar, 28, didn’t finish school and is single. He te... More from El Pedregal 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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