La Candelaria Group
Update on La Candelaria GroupMagdalena is a member of the "La Candelaria" group. She is 54 years old and completed only primary school. She is married to Teodoro, who has a tyre repair shop.
Magdalena tells us that, as a little girl, her parents taught her to work in order to get ahead. In her life she has worked in different jobs, including selling snacks. Six years ago she began selling items for the home out of catalogues. She liked the work as profits were good. Magdalena sells door-to-door to her customers and friends in the community. She receives orders and tells us that "every time I go out to sell, I go out happy and with good though so that, when I am selling, I encourage and convince my customers that my products are the best".
A Vision Fund loan will help Magdalena to buy a variety of cooking utensils to stock up for her orders and to continue with her sales.
She hopes that this investment will make her business prosperous and that will have more customers. She hopes to have higher profits in order to start saving up in case of any unexpected problems that may come up.
The other members of the group are:
Ramona: makes pastries;
Norberto: hires out transport;
Gerardo: hires out transport;
Beatriz. sells soft drinks;
Teresa: sells snacks;
Ninfa: sells soft drinks;
Yadira: makes pastries.
Magdalena platica que desde muy pequeña sus padres le enseñaron a trabajar para salir adelante durante su vida a desarrollado diferentes actividades económicas como ventas de antojitos, pero desde hace 6 años entro a vender artículos para el hogar por catalogo y le gusto ya que la ganancia es buena, ella realiza sus ventas casa por casa sale con sus clientes y amigas de la comunidad ha levantar pedidos “siempre que salgo a vender voy muy alegre y con buenos pensamientos para a la hora de la venta animar y convencer a mis clientes de que mis productos son los mejores”.
Un crédito de VisionFund le ayudara a comprar variedad de trastes para surtir sus pedidos y continuar con sus ventas.
Ella espera que con esta inversión su negocio prospere gane más clientes y aumente sus ganancias para iniciar un ahorro y esté preparada para los imprevistos.
Los demás integrantes del grupo son:
Norberto alquiler de transporte
Gerardo alquiler de transporte
Beatriz venta de refrescos
Teresa venta de antojitos
Ninfa venta de refrescos
Previous Loan DetailsRomana is a cheerful and enterprising woman who has worked for a little more than twelve years making pastries. She says that she learned this activity because her children were little and she had a lot of expenses. She wanted to help her husband get her family ahead, so she started to make cak... More from La Candelaria 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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