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Cosmos Group
In this Group: Rosa Maria , Azucena , Priscila , Arisbel , Rosa Amelia , Edith , Maria , Leonor , Gloria , Maria Dolores , Mariana
This group is called 'COSMOS' and is located in the Toluca state in Mexico. There are 11 members of the group; they took the name from a football team in their community where all the members meet each weekend.

One of the members of this group is Señora Rosa Amelia A. L, better known in the group as 'Rosi'. She was the group's treasurer for some time. Rosi tells us that she has 4 children - 7, 6, 2, and 3 months old. Her husband has worked as a chauffeur for 2 years in a transport company, where he drives from the Toluca terminal to the municipality of Xonocatlan. Rosi will use this loan to invest in the sale of cosmetics to her family and acquaintances. These loans allow her to obtain a better quality of life. As she has only studied up to primary school, her goal is that her children can one day study and be professionals and not have to abandon their studies, which is very common in this zone.

Another member of this group is Señora Rosa María Vázquez G, who also works selling cosmetics. She has 4 children, only one of whom depends on her, and her daughter is señora Rosa Amelia Vázquez G. She is seeking a loan to stock her business with cosmetics, which she sells to her acquaintances. Her major source of income is obtained in the company where she works, working with colleagues for a company called 'Mundo Dulce' (Sweet World), producing sweets.

The other members of the group are:

PRESIDENT: María Dolores C. S.

TREASURER: Mariana N. N.

Rosa María Vázquez G.
Azucena Méndez S.
PrisciL. I. C.
Arisbel D. L. O. V.
Rosa Amelia A. V.
Edith A. V.
María S. S.
Leonor C. S.
Gloria P. G.
View original language description ↓
Este grupo se llama “COSMOS” y está ubicado en Toluca Estado D. México, este grupo se integra D. 11 clientas; el nombre del grupo lo tomaron del equipo D. Fut-Bol, donD. las clientas se reúnen todos los fines D. semana en dicha comunidad.
En este grupo se encuentra L. Sra. Rosa Amelia A. L., mejor conocida en el grupo como “Rosi” elL. era tesorera del grupo hace un tiempo, nos comenta que tiene cuatro hijos D. 7, 6, 2 y 3 meses D. edad, además su esposo desD. hace dos años trabaja D. chofer en L. línea D. transporte que va D. L. terminal D. Toluca al Municipio D. Xonacatlan, L. señora ha ocupado el crédito para invertirlo en L. venta D. cosméticos con sus familiares y conocidas, el crédito le ha servido para tener una mejor calidad D. vida, a pesar D. haber estudiado solamente L. primaria, su fin es que sus hijos puedan algún día estudiar y ser profesionistas y no dejar D. estudiar, ya que, es muy común en dicha zona.

En este mismo grupo se encuentra L. señora Rosa María Vázquez G. quien se dedica igualmente a L. venta D. cosméticos, L. clienta tiene 4 hijos solamente uno depenD. D. elL. y su hija es L. señora Rosa Amelia Vázquez G., el crédito que L. clienta ocupa es para surtir su negocio D. cosméticos, los cuales venD. con sus conocidas pero su mayor ganancia L. obtiene en L. empresa donD. labora, con sus compañeras D. trabajo cuya empresa se denomina “Mundo Dulce”, su giro es L. producción D. dulces.

Los otros integrantes del grupo son:
María Dolores C. S.

Mariana N. N.

Rosa María Vázquez G.
Azucena Méndez S.
PrisciL. I. C.
Arisbel D. L. O. V.
Rosa Amelia A. V.
Edith A. V.
María S. S.
Leonor C. S.
Gloria P. G.

Additional Information

About CrediComun

This loan is administered by CrediComun, a Kiva Field Partner since February 2010. CrediComun is dedicated to providing loans to groups of women in rural areas in Mexico, and is beginning to lend to individuals as well. One of its newest branch offices is in Ciudad Neza, a poor suburb on the outskirts of Mexico City. CrediComun has grown rapidly since its inception in 2005, with 37 branch offices and over 350 employees, and was ranked the 12th best microfinance institution in Latin America in 2010 according to the Microfinance Information Exchange (MIX).

For more information on CrediComun, please visit its partner page. If you would like to support CrediComun and its borrowers, please visit its lending team.

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

  • $15,600
    Average annual income
  • 44
    View loans »
    Mexico Loans Fundraising
  • $22,559,375
    Funds lent in using Kiva
  • 12.6
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Cosmos Group's $3,175 loan helped a member purchase cosmetics to stock the business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 20, 2010
Sep 23, 2010
Currency Exchange Loss:
Jan 15, 2011