Update on Estrellas GroupClementina is a cheerful, hard-working, attentive and very responsible woman. She's 61 years old and comes from a community that is rich in pine and "oyamel" forests, and where the majority of residents work in sheep breeding and avocado cultivation, for which the weather is favorable.
Doña Clemen, which is how she's known, leads a group called Estrellas, made up of very hard-working women. They have gone through a rough time lately because, as Doña Clementina tells, "my niece, who was part of our group, got sick recently and was diagnosed with leukemia. It's really painful to see her suffer, although she's already having chemotherapy, thank goodness. I feel sad to see her this way because she was a very healthy woman with many life projects and suddenly got sick and had to be taken into a hospital in Morelia. We now ask God for her prompt recovery and are helping her to overcome her illness faster."
Clementina makes a living cultivating avocado and breeding sheep and chickens in her house. She says they have a large piece of land and she and her husband put a lot of enthusiasm in it to provide for their only child, who is a teenager and attends his last semester of high-school. She says that they are being able to support him with a lot of effort and that, although she doesn't have money to leave in bequest, she's supporting his studies to help him get ahead in life. He's responding with good grades.
Clemen has a crop with over 80 avocado trees and, during harvest season, she sells them at the supplies' market in buckets so that she makes a bit more money. She's now requesting a loan to buy fertilizer, insecticide and "calidra" to paint her trees to avoid plagues and get the fruit in good condition. She says her dream is to have a big crop and a big henhouse, as she likes animals and plants. The other four members of the group are María Angélica, María Trinidad, Mayra and Refugio, and they will use their loans to buy supplies for the avocado cultivation, as well as sweets and clothes for sale.
Previous Loan DetailsTrinidad is 41 years old and is a member of the 'Las Estrellas' community bank. For seven years she has been renting avocado and peach orchards whose fruit she picks and then sells in the local wholesale food market by the bucket. She says that she really enjoys her work because it leaves her… More from Estrellas 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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Success!! The loan was 100% repaid