This photo was taken in Soledad M. B. V.'s tortilla bakery. Soledad is a member of the “25 de julio” (25th of July) group which is located in the state of Puebla in Mexico. You can see the group which she belongs to and also some of the machinery which she uses to make her tortillas. She serves in her tortilla bakery which she set up six years ago. She is requesting this loan to buy corn and flour to make her tortillas. Her customers prefer to buy from her because they consider her tortillas to be good quality and very well made. She fulfils her customers' demands, offers good prices and gives all her customers individual attention. As she requests this loan she is feeling very grateful. She is 35 years old and studied up to the sixth year of elementary school. She is married and has three children; two girls and one boy. In the future, she would like to expand her business and one of her personal plans is to open a savings account so that she can guarantee her children's studies.
Historia de kiva Esta foto fue tomada en la tortilleria de la sra Soledad M. B. V. Una integrante del grupo 25 de Julio, que esta ubicado en el estado de Puebla en Mexico. Se ve el grupo al que pertenece y parte de la maquinaria con la que elabora tortillas, ella se dedica atender esta tortilleria, negocio que inicio hace seis años, solicita el prestamo para la compra de maiz y Harina para la elaboracion de tortillas. Sus clientes prefieren comprar con ella por que consideran que son de buena calidad y estan muy bien elaboradas y cumple con la exigencia de sus clientes aparte de tener buenos precios y un trato personalizado. Al momento de solicitar su credito ella se siente agradecida. Tiene treinta y cinco años de edad y estudio hasta el sexto año de primaria es casada y tiene tres hijos dos mujeres y un varón. Le gustaría en un futuro hacer la ampliacion de su negocio y dentro de sus proyectos personales ella quiere aperturar una cuenta de ahorro para asegurar los estudios de sus hijos.
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.