Update on Estrellitas GroupAnother member of the group "Estrellitas" is Rosa María, who is 55 years old and married to Moises, who works in agriculture. She completed primary school.
She reports that three years ago, she started a small taqueria in her house with the intention of making her own income and helping Moises with the household expenses, since every day the economic situation is worse. She says "In these times we both have to work. If you want to work, you have to take initiative, because neither money nor food will come knocking at your door."
She sells her goods on the weekends (Friday, Saturday and Sunday) in the evenings in a small alleyway outside her house. Her neighbors say that her tacos are very tasty.
Rosa says that it helps very much that she has almost no competition. Also, it is currently the sugar harvest season and the mills are refining the sugar. Thus, more people have work and are able to go out for dinner.
She will invest this loan in meat, cabbage, cucumbers, tomatoes, onions, radishes, chili peppers, tortillas, oil, soft drinks, napkins, aluminum foil and gas so that she can continue making sales.
With her earnings she would like to buy some chairs and tables so that her customers can be more comfortable while eating or waiting for their orders.
The remaining members of the group are:
Zacarias - sells groceries
Ines - sells soft drinks venta de refrescos
Deysi - sells clothes
Nancy - sells footwear
María Isabel - sells clothes
Maria de los Ángeles - sells tortillas
Otro miembro del grupo "Estrellitas" es doña Rosa María quien tiene 55 años de edad, estudio hasta secundaria y esta casada con el señor Moises que se dedica al trabajo del campo.
Ella platica que desde hace 3 años puso en su hogar una pequeña taqueria con la intencion de ganarse su dinero y ayudar a don Moises con los gastos de su hogar ya que cada dia la situacion econica esta peor y no rinde el dinero ella dijo "En estos tiempos tenemos que trabajar los dos, si quiere vivir uno mejor hay que buscarle porque ni el dinero, ni la comida llegan solos a tocar puertas".
Ella realiza sus ventas los fines de semana(viernes, sabado y domingo) por las noches, en un pequeño corredor que tiene afuera de su casa, sus vecinos dicen que tiene buen sazón y que hace unos tacos muy ricos.
Doña Rosa dice que le ayuda mucho que casi no tiene competencia y que ahorita es tiempo de zafra(cuando los ingenios producen azucar) hay mas trabajo y mas dinero las familias salen a cenar fuera de casa.
Ella invertira este credito en la compra de carnes, variedad de chiles, refrescos, tomastes, cebolla, aceite, tortilla, col, rabanos, pepinos, servilletas, papel aluminio y gas para continuar realizando sus ventas.
Le gustaria comprar con sus ganancias algunas sillas y unas mesas para que sus clientes puedan estar mas cómodos mientras comen o esperan su pedido.
Los demas integrantes del grupo son:
Zacarias venta de abarrotes
Ines venta de refrescos
Deysi venta de ropa
Nancy venta de calzado
María Isabel venta de ropa
Maria de los Ángeles venta de tortillas
Previous Loan DetailsGuadalupe is 28 years old and stayed in school up to high school level. She is married and has three children. Two of her children attend elementary school. Guadalupe is a member of the Estrellitas group. Three years ago, Guadalupe started selling soft drinks from her home to her friends and… More from Estrellitas 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.
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