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Chalmita Ganaderia Group
In this Group: Esperanza, Sara, Cecilia, Maria Marcelina

Update on Chalmita Ganaderia Group

Sara is 26 years old and is from an indigenous community called Lindero which is located in the state of México. She is the mother of one son who will soon begin school. She says that she is excited for her son to go to preschool. Although the costs are high between the materials that the school requests she purchase and the uniform required, she says that it is all worth it for her son to study so that when he is older he will have a good job because the work in the fields is very difficult.

She belongs to a group when requests loans to improve their businesses in order to be able to get income and improve their living conditions. Her group is called Chalmita because she and her group members are followers of the holy saint of Chalma. She has been making a living over sheep for two years and says that she began this business to support her husband with the household expenses and also so that she can have her own income. She says that her sales are best during the months of May, June and December. During May and June it is because the schools are closing so the parents are making food and having parties to celebrate their children leaving school, and in December it is because of Christmas Eve, Christmas Day and New Year's celebrations.

She comments that her sales are going well and she is now requesting a loan to buy food for her the seven sheep that remain from her recent sales. She also wants to buy a ewe to continue raising more lambs. She also raises and sells turkeys which are easier to care for than sheep. She buys the sheep from others in her community and she sells them from her home. Her husband also sometimes brings the sheep and turkey to sell in a community called Zitacuaro where an open air market is held on Thursdays when they need money more urgently.

She is thankful to Visión Fund for the loan that is being given to her so that she can improve her business. The rest of the members of the group include Cecilia, Esperanza, and María Marcelina. They invest their loan amounts in a grocery store and to buy sheep and animal feed.
View original language description ↓
Sara tiene 26 años de edad, es originaria de una comunidad indígena la cual limita con el estado de México, llamada el Lindero, ella es madre de un niño pequeño el cual pronto entrara a la escuela, dice que está emocionada por que su hijo ya ira al preescolar, dice que aunque son muchos los gastos entre material que pidió la escuela y el uniforme pero que vale la pena todo po que su hijo tenga estudios para que cuando sea grande tenga un buen trabajo ya que el trabajo del campo es pesado. Ella pertenece a un grupo de personas el cual piden créditos para mejorar sus negocios y asi poder sacar algo de capital para mejorar sus condiciones de vida, su grupo se llama Chalmita ya que sus compañeras y ella son devotas del Santo señor de Chalma. Ella se dedica a criar borregos desde hace 2 años y dice que empezó con estén negocio para ayudar a su esposo con los gastos de la casa y también para ella tener un capital propio, dice que cuando tiene mejores ventas es en el mes de mayo- junio y diciembre en los dos primeros meses por que es cuando las escuelas hacen sus clausuras y los padres de familia hacen comida, fiestas para festejar a sus hijos que salieron de la escuela y en el mes de diciembre por que es el mes cuando son las fiestas del 24 de diciembre el día de la navidad y en año nuevo. Platica que le va bien con las ventas y que ahorita solicito un crédito por que comprara alimento para sus borregos que tiene los cuales son 7 que le quedaron de las ventas recientes que tubo, además quiere comprar una borrega para seguir criando pequeños borreguitos, también cría y vende guajolotes los cuales son más fáciles de cuidar que los borregos. Platica que los borregos se los compra a otras personas de su comunidad y ella los vende en su casa o hay veces que su esposo la lleva a la población de Zitacuaro donde se pone un tianguis de animales los días jueves y cuando ocupa un dinerito de urgencia va y vende sus borreguitos o los guajolotes. Agradece a Visión Fund por el crédito que le harán por que así mejorara su negocio. Las demás integrantes del grupo se llaman Cecilia, Esperanza y María Marcelina ellas invertirán en surtir una tienda de abarrotes y para la compra de borregos y alimento para estos.

Previous Loan Details

Angélica is 23 and belongs to a group called Chalmita Ganadería and says that they chose this name because there is a settlement called Chalma in their state. Chalma has a saint whom they venerate so that things will go better for them in their daily lives. Angelica says that she has worked for a... More from Chalmita Ganaderia Group's previous loan »

Additional Information

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.

About Mexico

  • $11,249
    Average annual income
  • 20
    View loans »
    Mexico Loans Fundraising
  • $17,839,800
    Funds lent in using Kiva
  • 12.7
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Chalmita Ganaderia Group's $3,475 loan helped a member to buy sheep and turkeys to raise and then sell, and to purchase food for the animals.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 18, 2013
Listed
Aug 5, 2013
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014