A loan of $1,675 helped a member to buy chips, cookies, bread, soft drinks, and water.

Rayito De Luz Group's story

Silvia M. G. represents the Rayito de Luz [Little Ray of Light] group, located in the community of Felipe Neri, Tlalnepantla, in the state of Morelos, Mexico. The group has five members, who are neighbors. This is her first loan with Fundación Realidad. The members of the group are: Silvia M. Granada, who will use her loan to buy merchandise including soft drinks, cookies, chips, and candy to stock up her grocery store; Gloria A. C., who plans to buy a griddle, roofing for her locale, tables and chairs, and vegetables, tomatoes, and green tomatoes to make her Mexican street foods; Silvia G. R., who plans to buy sacks of organic fertilizer to treat her trees so she can grow fruit; Armada G. R., who will purchase loads of corn to make her handmade tortillas; and Felipa García S., who plans to buy broad beans, pumpkins, peaches, and limes in bulk wholesale to stock up her store.

Silvia is thirty-years-old. She completed her third year of secondary school and has her certificate. She lives in a common-law marriage and has four sons. Carlos Ángel, 12, and José Ismael, 8 are both in school. Jorge Eduardo and Luis Eduardo are 3-year-old twins. She has a grocery store called the “Los Ángeles Grocery.” She is seeking a loan to buy chips, cookies, Bimbo-brand bread, soft drinks, water, candy, peanuts, chocolate candies, and gummies to offer her customers. Most of them are tourists driving by on the highway who stop to rest and buy things at her store, or students and neighbors who come during the rainy and cold seasons looking to buy water and soft drinks. Her son Carlos Ángel helps her out in the store.

Silvia started her business four years ago, after noting that where she lived beside the highway was a thoroughfare for tourists and seemed like a good place to have a grocery store. Her husband gave her the money to open and stock the store. She’s very happy with the loan she’s going to get because it will give her the opportunity to invest in her business. The business is very important to her because of the financial support it provides. It brings in extra income, she’s got money for everyday needs, and she wants for nothing at home. If her sons want something, they can have it.

The climate in Felipe Neri is refreshing. There are lots of trees and vegetation, and the Chichinautzin Corredor passes through there. It’s a protected area with heavily-treed forests with deer and panthers in them. The people plant forage food like oats and corn for the animals. In December when it’s really cold the water crystallizes into a layer of ice.

Silvia’s business has helped her family because she uses what she makes for household expenses or any other expenses that might worry her. She wants to tell Kiva and the Fundación Realidad, “I appreciate the kind of help you give us and I am going to try not to embarrass myself so you’ll keep supporting me with additional loans.” Her dream is to better herself, stand out, and most of all, grow the business into something better, and add new products. She will reinvest her earnings and support her sons so they can have a profession. Her store does face competition; there’s another one next door to hers.

In this group: Silvia , Gloria , Silvia , Amada, Felipa

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Translated from Spanish by Kiva volunteer Jill Heske

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