Las Manzanas Group
Update on Las Manzanas GroupThe "Las Manzanas" [The Apples] group is made up of very hardworking women who are always keeping an eye on the well being of their families. The place where they meet is quite peaceful and they have all known each other very well for many years. The group got its name because the area is characterized by its apple orchards.
Marcelina, the group's representative, says that she's forty-six and has been married for twenty-two years to Armando, who works as a bricklayer. They have three children, who are in various grades in school. Marcelina earns her living raising and fattening up young sheep for later sale. She buys the sheep as lambs and then raises and fattens them up for a few months. Once they're big and fat she says she sells them to her neighbors, bbq pitmasters, or just to people who come to her house asking if she sells sheep. In most of those cases, they probably want to buy a sheep to barbeque for a party or some other kind of celebration.
This time Marce is seeking a loan from the organization to buy more lambs; she's not exactly sure how many because she doesn't know what kind of prices she'll encounter. She doesn't need to buy food because in her area they can pasture the sheep every afternoon. She has been raising sheep for two years and says, "I needed a way to help my husband with household expenses and the children's education, and raising sheep at my house has really benefited me because I could raise the sheep while looking after my children." The only difficulty is when the sheep get sick and die, which means a loss of profits and investment.
Marce says that when she started raising sheep she didn't know how to care for them and was very careless. One day she fed them tamales and corn, which are really fattening and hurt and killed the sheep. She never neglected her sheep like that again. Marce's goals motivate her to keep raising her sheep. One of her objectives is to improve her home because it doesn't have a good kitchen. She'd also like to have a place where she could sell other things and have another source of income.
The members of the group include Francisco, who will invest his loan in clothing; Elena, who will buy candy and groceries; and Maria, who will buy candy. They are all very grateful to the institution and Kiva for the loan. The trust they've shown in lending the group money will be a big help.
El grupo de las manzanas se llama a si porque la localidad se caracteriza por los huertos de mazanas que existen. Doña Marcelina, quien ha quedado como la representante del grupo platica que tienen 46 años de edad está casada desde hace 22 años con el señor Armando quien trabaja como albañil juntos han procreado 3 niños los cuales se encuentran estudiando diferente niveles educativos, Doña Marcelina se dedica a la cria y engorda de borregos para después venderlos Doña Marce los compra desde que son unos corderitos los crece y engorda por algunos meses y cuando ya están grandes y gordos Doña Marce cuenta que tiene que ofrecerlos a sus vecinos o a los barbacoyeros o simplemente la gente llega a su casa preguntarle si vende sus borregos porque en la mayoría de los casos quieren comprar porque seguramente tendrán fiesta u alguna otra celebración, lo que les servirá para prepáralos en barbacoa y ofrecerlo como alimento en la fiesta. Esta vez Doña Marce está solicitando un crédito a la institución para comprar más corderitos la cantidad exacta no la sabe porque no sabe en qué precios va a encontrar los corderitos, alimento para los borregos no compra ya que en la comunidad donde vive puede sacarlos a pastar todas las tardes. Con la cría de sus borregos tiene ya dos años, La señora Marce comenta: “ Yo necesitaba de alguna manera ayudar a mi esposo con los gastos del hogar y con los gastos de la educación de sus niños y criar los borregos en casa me beneficiaba mucho porque yo criaba mis borregos y al mismo tiempo estaba al pendiente de mis niños” Solo que su única dificultad es cuando sus borregos enferman y mueren esto para Doña Marce significa una pérdida de ganancia y de la inversión que había ellos.
Doña Marce platica que cuando inicio con la cría de sus borregos no sabía cómo cuidarlos era muy descuidada con sus borregos, cierto día se le ocurrió darle de comer tamales y maíz para los borregos estos alimentos son muy pesados lo que a su borrega le hizo mucho daño y murió, desde ese día Doña Marce nunca más volvió a descuidar de esa manera a su borregos. Pero sus metas es lo que la motivan a seguir criando sus borregos una de sus metas es mejorar su vivienda porque cuenta que le hace falta una buena cocina pero también le gustaría tener un buen local donde pudiera vender algo mas y obtener otra entrada de ganancia. Los integrantes del grupo son Francisco quien invertirá en ropa, Elena quien invertirá en dulces y abarrotes, María quien invertirá en dulces. Todos ellos están muy agradecidos con la institución y KIVA por el crédito otorgado y la confianza que les han tenido en prestarles el crédito para ellos será de gran ayuda.
Previous Loan DetailsThe “Las Manzanas” (The Apples) group is composed of very hardworking men and women from the community they live in. It is very pretty however it’s somewhat complicated to reach because there is no transport available. The community is called Barrio Monte Alto. The “Las Manzanas” group is so… More from Las Manzanas 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.
8View loans »
Success!! The loan was 100% repaid