Mairent is a micro-entrepreneur client of Kubo Financiero and this is her story:
Mairent is married and has two children. Her husband and father-in-law make earrings, and Mairent took advantage of that and started her business selling all kinds of costume jewelry and a little bit of perfume. She has her regular customers at street fairs, markets, stationery stores and gift shops. She was motivated to work in sales when there was a time when she didn't have money for milk for her 8 month-old son. This made her decide to sell her products. She was very well received, and she has been doing this for 16 years.
She is asking for this loan so she can replenish her inventory for the coming Christmas season during which time her customers place orders. Thanks to her business, Mairent has been able to make improvements in her house such as the purchase of some appliances and generally improve her standard of living.
Mairent es una microempresaria clienta de Kubo Financiero y esta es su historia:
Mairent es casada y tiene dos hijos. Su esposo y suegro se dedican a fabricar aretes, lo cual ella aprovechó e inicio su negocio que consiste en la venta de todo lo relacionado con bisutería y un poco de perfumería; tiene sus clientes fijos en tianguis, mercados, papelerías y tiendas de regalos.
A ella la motivó empezar a vender una vez que no tenía para la leche de su hijo de 8 meses, por lo que decidió ir a ofrecer sus productos; el recibimiento fue muy bueno y así lleva 16 años dedicándose a su negocio.
Este préstamo lo pide para surtirse para la temporada navideña venidera, en la cual sus clientes le realizarán pedidos. Gracias a su negocio Mairent ha logrado hacer mejoras en su casa comprando aparatos electrodomésticos y en general mejorando su nivel de vida.
Kubo.financiero is a regulated microfinance institution that provides accessible and affordable loans to borrowers in Mexico. Its online banking platform and other innovations enable Kubo to charge interest rates that are much lower than the average for MFIs in Mexico. By doing business in a new way -- leveraging technology and customized risk profiles -- the organization is able to support microfinance clients throughout the country. With funds from Kiva lenders, Kubo is able to expand its lending network even further, reach riskier clients who have less credit history, decrease interest rates for borrowers, and scale its service area.