A loan of $1,000 helped a member purchase of fertilizer to grow corn.


Juarez Group's story

This communal bank is called "Juárez" and is located in the San Andrés Cuauhtempan community in Tlayacapan, which is in the state of Morelos, México. This group is composed of 4 members who all know each other and are neighbors. Gabriela A. Garcés is a member of the group. She is 39-years-old and lives in a common law marriage. Her husband works in the fields. She completed her studies up until the 3rd year of secondary school and she has her secondary school certificate. She has two sons named Cesar (15-years-old and in secondary school) and Miguel Ángel (8-years-old and in 2nd grade). She has requested a loan to buy fertilizer to grow corn as well as to plant corn. On the weekends, she sells corn, chicarrones [pork rinds], and chicken feet. She buys her merchandise in the Cuautla supply center and in the main squares of Tlayecac and Yautepec. She began this business 9 years ago. She did not know how to do anything but necessity made her work and since none of her neighbors were selling, she decided to sell corn and chicharrones. In the beginning she sold very little, but now people buy more from her. The majority of people in the town plant corn and although her sales decrease on the weekends during corn harvest season, she sells corn in the town centers. Her business is located in her home in San Andrés Cuauhtempan, Tlayacapan. She considers this business important because each week it helps her with family expenses such as food and milk as well as school expenses for her children. She is not lacking the most necessary items. The most gratifying thing for her is serving her customers because it distracts her. When she's not selling, she feels sad. Her customers are her neighbors and residents of other neighboring communities that come to buy her corn. She uses her business earnings to buy school materials and uniforms for her sons. With her earnings, she improves the quality of the food that she gives to her family. Gabriela is planning to expand her business, since she would like to sell sweets and cakes, and wants to open a location in a room that she plans to set up, with a door that opens out to the street. She wants to put up a ceiling and set everything up so that it's an attractive place. She plans to achieve this with the loans since she pays them little by little. This business has helped her family in the past and it continues to help them. She does not plan to stop and wants to continue saving for when she is older. "Children live their lives and do not take care of their parents once they're grown," Gabriela tells us. She is very happy with this loan because they approved her. She wants her sons to pursue their careers or technical vocations. San Andrés Cuauhtempan, Tlayacapan is a town with a cold climate. They are still planting and there is a festival in San Andrés on November 30th. All the families make food and expect visits from people who come from other towns. The members of this group are: Rogelia M. R. (who is going to buy fertilizer with her loan to plant nopal), Ana Laura S. Díaz (who is going to buy oil for her equipment), Marisol C. A. (who is going to buy corn to plant and sell it by the ton, etc.), and Gabriela A. Garcés (who is going to buy fertilizer and seeds to plant corn). The group members would like to tell Kiva and Fundación Realidad “to continue supporting us with more loans in order to improve our businesses and sowing season."

In this group: Rogelia, Ana Laura, Marisol, Gabriela
*not pictured

Translated from Spanish by Kiva volunteer Tara Binetti


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