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Luceros En La Manana Group
In this Group: Leyba, Norma, Irma, Julia, Concepcion, Martha, Armandina, Yolanda, Arcelia*, Esmeralda, Guadalupe*, Lourdes, Eva, Alicia Araceli, Lucia
* not pictured
The “Luceros en la mañana” ("Stars of the Future") group is located in Puebla, Mexico. The group has 15 members. Juana P. S. is the group's treasurer. She is 43 years old, has a primary school education, and is a hair stylist. She has one son, who depends on her economically. In the photo, you can see that she has a salon, but little material to work with. She has been doing this job for five years. She would like to invest in stock, such as the dyes she uses most. Juana knows she can attract more clients, if she were to have sufficient stock, and she wants to invest her earnings in her business so that her salon can be one of the most modern and well-equipped in her community.
View original language description ↓
El grupo “Luceros en la mañana” se encuentra ubicado en Puebla, México. El grupo está conformado por 15 integrantes.La Señora. Juana P. S. Es tesorera del grupo. Tiene 43 años, estudió la primaria y el oficio de estilista. Tiene un hijo que depende económicamente de ella. En la foto se puede apreciar que tiene una estética y el poco material con el que cuenta, lleva 5 años dedicándose a este oficio. Ella comenta que va invertir en materiales, como los tintes que es lo que más utiliza, la señora Juana tiene la seguridad de atraer mas clientes contando con el material suficientes, además con sus ganancias pretende volverlo a invertir para que en un futuro su estética sea una de las mas modernas y equipadas que tenga su comunidad.

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
  • 82
    View loans »
    Mexico Loans Fundraising
  • $20,993,025
    Funds lent in using Kiva
  • 12.3
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Luceros En La Manana Group's $4,550 loan helped a member to invest in stock so as to improve their business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 20, 2010
Nov 3, 2010
Currency Exchange Loss:
Mar 16, 2011