Update on Sonrisa GroupMrs. Nisha is a member of the ”Sonrisa” [Smile] group. She is a friendly and enterprising woman who finished secondary school. Nisha is married to Jose Luis and has two children. She says that she has been a saleswoman for twelve years and that she started this line of work selling cosmetics. Some years ago, somebody offered her to start selling Mexican snacks in a cooperative at school; she though it was a good idea and that is today her main economic activity.
She works Monday to Friday during the kids’ morning breaks (thirty minutes they have for having breakfast). However, she has to prepare the food in advance, early every morning. Once she arrives to the school, everything must be ready to be sold. She sells also sweets, water and beverages. Mrs. Nisha said: "I love my job because I have to work only in the morning. In the afternoon, I have free time to take care of my family and my house.”
She will use this loan to buy meat, chilies, tomatoes, onion, corn, tortillas, cream, cheese, avocado, cabbage, beans, potatoes, bananas, eggs, oil, sweets, beverages, gas for cooking and aluminum foil. She needs all these things to continue with her sales.
In the future, she hopes to provide her children with the opportunity to go to the university, so that they have a better life than hers.
The remaining group members are:
Guadalupe: cosmetics sales.
Jesika: sweets sales.
Estela: food sales.
Grissel: grocery store.
Lorena: clothes sales.
Minerva: printing business.
Felipa: clothes sales.
Ella realiza sus ventas de lunes a viernes en la hora del recreo de los niños(la media hora que da la escuela para el desayuno), pero su trabajo inicia desde muy temprano con la preparacion de dicha comida ya que cuando llega a vender a la escuela ya todo debe estar listo pra venderse, ella tambien vende dulces, aguas y refrescos.
ella dijo "a mi me gusta mucho mi trabajo porque solo es por la mañana y el resto de la tarde lo tengo libre para atender a mi familia y hacer mi trabajo en casa"
Este crédito lo invertirá en la compra de carne, chiles, tomates, cebolla, maíz, tortillas, crema, queso, aguacate, col, frijol, papas, gas, plátanos, huevos, aceite papel aluminio, dulces y refrescos para continuar con sus ventas.
Ella espera a futuro poder brindar a sus hijos la oportunidad de asistir a la universidad para que les vaya mejor en la vida.
Los demas integrantes del gruppo son:
Guadalupe venta de cosmeticos
Jesika venta de dulces
Estela venta de comida
Grissel vebta de abarrotes
Lorena venta de ropa
Minerva servicio de imprenta
Felipa venta de ropa
Previous Loan DetailsSonrisa (Smile) is a group comprised of eight members: Nisha, who sells food, Estela sells food, Lorena sells clothing, Jesika sells soft drinks, Minerva has a printing business, Grissel sells groceries, Heladio sells tacos and Guadalupe sells shoes. They decided to give their group this name be... More from Sonrisa 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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