Nuevo Horizonte Group
Update on Nuevo Horizonte GroupHermelinda, 34, is another member of the Nuevo Horizonte group. She only attended secondary school and she's the single mother of twin daughters in secondary school.
She says she learned to work from a young age to help with the household expenses. Since her daughters were born, however, she had to work harder to get them ahead because she had her own family to care for and the expenses were double since they're twins.
In the beginning she had a fixed job but she needed more free time to care for her daughters, so two years ago she decided to start her own business and earn her own money. She sells cosmetics door-to-door to her friends and neighbors in her community. Sometimes she goes to nearby communities. Because she has been doing this work for some time, Hermelinda has acquired good customers, which helps her have greater sales and give her daughters a better quality of life.
She'll invest this loan in buying nail polish, eyeliner, lipstick, eye shadow, deodorant, and perfume.
Her plans for the future are for her daughters because she would like them to have the opportunity to study for a profession.
The other members of the group are Lourdes, chicken sales; Josefina, pastry sales; Bartola, snack sales, Benigno, nutrition club; Carmen, snack sales; Heriberta, clothing sales; and Hilda, snack sales.
Ella platica que aprendió a trabajar desde pequeña para ayudar con los gastos de su hogar pero desde que nacieron sus hijas tuvo que trabajar mas duro para sacarlas adelante ya que tenia su propia familia por quien ver y los gastos eran doble ya que son mellizas. Al principio tenía un empleo fijo pero necesitaba tener mas tiempo libre para a tender a sus hijas y fue hace dos años cuando decidió iniciar a trabajar en su propio negocio y ganarse su propio dinero. Ella realiza ventas de cosméticos de casa en casa con sus amigas y vecinas de su comunidad en algunas ocasiones sale a vender a comunidades cercanas. Debido a que ya tiene un tiempo realizando estas ventas, Hermelinda ha ganado buenos clientes lo cual ayuda a que sus ventas sean mayores y pueda ofrecer a sus hijas una mejor calidad de vida. Ella invertirá este crédito en la compra de esmaltes, delineadores, labiales, sombras, desodorantes y perfumes. Sus planes a futuro son para sus hijas ya que le gustaría que tuvieran la oportunidad de estudiar una profesión.
Los demas integrantes del grupo son:
Lourdes venta de pollo,
Josefina venta de reposteria,
Bartola venta de antojitos,
Benigno club de nutricion,
Carmen venta de antojitos,
Heriberta venta de ropa,
Hilda venta de antojitos
Previous Loan DetailsThe group "Nuevo Horizonte" (New Horizon) is located in the community of Zona Urbana Ejidal and consists of 10 members: • Hilda sells food. • Lourdes sells chickens. • Hosanna sells meat. • Virginia sells Mexican street food. • Gregorio operates a carpentry shop. • Jesica sells shoes. •… More from Nuevo Horizonte 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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