A loan of $2,075 helped a member for fast food sales, tacos, chicken, bread, corn, groceries and cosmetics.

El Carmen Group's story

This development unit is called El Carmen because that’s the name of their community. Development Units are groups of more than 10 people who have an account in the bank and meet every week or two weeks to make their payments. They have a representative and a governing committee. This group is located in the El Carmen community which is part of the municipality of San Miguel Soyaltepec in the state of Oaxaca. The group is maD. up of ten people who have known each other for many years because they are neighbors in the community.

The group representative is Judith D. T.. She is 25 years old, single and is studying Law. She decided over five years ago to start her own roasted chicken and taco sales business because she wanted to pay for her studies. She sells from her yard at home. On Wednesdays and Sundays she sells chicken starting at two in the afternoon and on weekends (Thursdays, Fridays and Saturdays) she sells tacos at night. Judith needs this loan to buy chickens, a variety of chilies, charcoal, meat, spices, oil, tortillas, tomatoes, onions, disposables and beverages to prepare her food for subsequent sale. She hopes this investment will produce good earnings to continue investing and be able to continue with her studies.

Norma R. G. is part of the El Carmen group. She is 37 years old and only went to elementary school. She’s married to José Antonio Ruiz with whom she has four children. One is a boy, David. He’s 16 years old and goes to high school. The three girls are Jaquelin, 13, who is in middle school, Berenice, 11, who is in elementary school and the youngest, Mia, who is five and goes to the local preschool.

For the last two years Norma has had a grocery store in her home called Abarrotes Bere which is painted orange. She decided to start her own business because she wanted to help her husband with household expenses and with the children’s educational costs. She needs this loan to buy rice, corn, beans, oil, soap and cheese to stock her little store. She also told us that she’s learning pastry making because in the future she’d like to expand her business and also sell cakes. Norma hopes to continue to invest her profits in her business and in her children’s education since she’d like proviD. them with a better quality of life.

The other eight members are:

Lucia C. T. – taco stand
Nora C. P. – Mexican fast food
Antonia T. D. L. C. – chicken shop
Margarito T. A. – corn farmer
CiriL. C. C. - Mexican fast food
Blanca Rosa D. H. - chicken shop
Modesta O. R. – bakery
Celsa M. R. - cosmetics

In this group: Celsa , Modesta , Blanca Rosa , Cirila, Margarito *, Antonia, Nora, Lucia , Norma , Judith
*not pictured

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Translated from Spanish by Kiva volunteer Polliz

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