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El Carmen Group
In this Group: Celsa , Modesta , Blanca Rosa , Cirila, Margarito *, Antonia, Nora, Lucia , Norma , Judith
* not pictured
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
View original language description ↓
Esta unidad D. desarrollo se llama El Carmen porque es el nombre que tiene su comunidad. Las UDEs son grupos D. mas D. 10 personas que tienen una cuenta en el banco y se reunen cada ocho o quince dias para realizar sus pagos. Tienen un representante y un comite que lo gobierna. Este grupo esta ubicado en L. comunidad del carmen que pertenece al municipio D. San Miguel Soyaltepec en el estado D. oaxaca. Este grupo esta conformado por diez personas que se conocen desD. hace muchos años por que son vecionos en L. comunidad.

El representante del grupo se llama Judith D. T., tiene 25 años D. edad, es soltera y actualmente estudia L. carrera D. derecho. ElL. desD. hace mas D. cinco años decidio iniciar con su propio negocio D. venta D. pollos azados y tacos porque elL. queria poder pagar sus estudios, elL. venD. desD. el corredor D. su casa, el miercoles y el domingo venD. pollos apartir D. las dos D. L. tarD. y los fines D. semana (jueves, viernes y sabado) venD. tacos por L. noche. Judith necesita este credito para invertirlo en L. compra D. pollos, variedad D. chiles, carbon, carne, especies, aceite, tortillas, tomates, cebolL., desechables, y refrescos para preparar su comida y posteriormente venderL., elL. espera que esta inversion le deje buenas ganancias para seguir invirtiendo y poder continuar con sus estudios.

Norma R. G. es parte del grupo El Carmen, elL. tiene 37 años solo estudio primaria y esta casada con el señor JOse Antonio Ruiz con el cual tiene cuatro hijos D. los cuales uno es hombre D. nombre David tiene 16 años y asiste a L. preparatoria y 3 mujeres D. nombres Jaquelin D. 13 años que estudia L. secundaria, berenice D. 11 años que estudia L. primaria y las mas pequeña mia D. 5 años y asiste al prescolar D. L. comunidad. Doña norma desD. hace mas D. 2 años tiene una tienda D. abarrotes en su hogar llamada Abarrotes Bere L. cual esta pintada D. un color anaranjado, elL. decidio iniciar con su propio negocio porque queria ayudar a a su esposo con los gastos del hogar y los estudios D. sus hijos, necesita este prestamo para invertirlo en L. compra D. arroz, maiz, frijol, aceite, jabon y queso para resurtir su tiendita, tambien nos dijo que esta aprendiendo reposteria porque en un futuro desea agrandar su negocio y vender tambien pasteles. Doña norma espera seguir invirtiendo sus ganancias en su negocio y L. educacion D. sus hijos ya que desea darles una mejor clidad D. vida.

los otros ocho integrantes son:

Lucia C. T. - taqueria
Nora C. P. - antojitos mexicanos
Antonia T. D. L. C. - polleria
Margarito T. A. - cultivo D. maiz
CiriL. C. C. - antojitos mexicanos
Blanca Rosa D. H. - polleria
Modesta O. R. - panaderia
Celsa M. R. - cosmeticos

Additional Information

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
  • 86
    View loans »
    Mexico Loans Fundraising
  • $21,062,600
    Funds lent in using Kiva
  • 12.1
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Carmen Group's $2,075 loan helped a member for fast food sales, tacos, chicken, bread, corn, groceries and cosmetics.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 12, 2011
Jan 24, 2011
Currency Exchange Loss:
Jun 15, 2011