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El Trebol Magico Group
In this Group: Sonia, Alma Yasheli, Martha, Antonia Gelacia, Yessenia, Margarita, Glenda Yanet*, Alicia, Yadit Raquel, Edith
* not pictured
This group is called the Magic Clover, named as such because the members think it is good luck. They are located in Hidalgo, and the group is made up of 10 members.

Yadit Raquel R. C. is the president of the group. She is 23 years old, studied until secondary school, and is the single mother of a 3-year old daughter.

She dedicates herself to selling perfumes by catalog, an endeavor she began 3½ years ago. She requested a loan to buy more perfumes, so she could grow her business. Her goal is to open her own locale where she can sell her perfumes and cosmetics.

Another member of the group is Margarita Martínez J.. She is 48 years old, studied until primary school, is married and has 4 children; 3 daughters ages 19, 16, and 4, as well as 1 son who is 18.

Margarita dedicates herself to selling clothing, a business she started 9 years ago. She is requesting the loan to buy more clothing and invest in her business. Her dream is to open her own store so she can sell her products, since she wants to grow her business and sell other types of merchandise. Right now, her goal is to provide a higher standard of living for her children.
View original language description ↓
Este grupo se llama el trébol mágico y tiene este nombre porque las integrantes del grupo piensan que es de buena suerte, está ubicado en Hidalgo. El grupo está conformado por 10 integrantes.
Yadit Raquel R. C. es la presidenta del grupo tiene 23 años, estudió hasta la secundaria, es madre soltera y tiene una niña de 3 años de edad. Ella se dedica a la venta de perfumes por catálogo que inicio hace 3 años, 6 meses. Solicitó su préstamo para la comprar más perfumes y hacer crecer su negocio ya que quiere lograr su meta que es poner un local donde pueda vender perfumes y cosméticos.
Margarita Martínez J. es otra integrante de este grupo tiene 48 años estudió hasta la primaria, es casada y tiene en total 4 hijos; 3 mujeres de 19,16, y 4 años de edad respectivamente, así como 1 varón de 18 años. Margarita se dedica a la venta de ropa que inicio hace 9 años se solicita el préstamo para la compra de ropa e invertir en el negocio, la ilusión de la señora es poder poner un local y poder así vender sus productos ya que quiere hacerlo crecer y vender muchas cosas más. Ahora su meta es darles una mejor calidad de vida a sus hijos.

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
  • 36
    View loans »
    Mexico Loans Fundraising
  • $22,549,025
    Funds lent in using Kiva
  • 12.5
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Trebol Magico Group's $2,275 loan helped a member to grow the business and, in the future, have their own stores.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 21, 2010
Sep 28, 2010
Currency Exchange Loss:
Feb 15, 2011