Santa Cruz Group
Update on Santa Cruz GroupGuadalupe is a 28-year-old woman. She's in a common law marriage with her partner Santos, who's in trade. They have only two daughters; one of them is named Citlali (she's 5 years old and goes to the 2nd year of preschool) and the other one is named Karla (she's 3 years old).
Guadalupe is a trader and she sells fish. She says that she has to stock up everyday, so she leaves her community in order to purchase what she needs. Guadalupe has been in the business for 2 years and she says that, thank God, she always makes sales. She will use the next loan for the same business, by purchasing a little of every kind of seasonal fish. One of her biggest goals is to improve her humble home and set up her business there, so that she doesn't have to go out offering her products.
Guadalupe is a member of the Santa Cruz communal bank, which is comprised of people who are hardworking and able to get ahead for their families. Here follows the mention of each one of them and their respective businesses: Guadalupe sells fish; Hortencia sells food; Yaneli sells food; Baltasar sells fruits and vegetables; Lucila sells sweets; Graciela sells antojitos (a typical Mexican snack); Leonarda sells refreshments; Alicia sells fish; Felix sells clothing; Ealis sells medicine; and Gloria sells refreshments.
Guadalupe es comerciante y se dedica a la venta de pescado, ella cuenta que todos los días tiene que surtir así que sale de su comunidad para comprar lo necesario. Guadalupe lleva dos años con su negocio y dice que gracias a Dios siempre tiene ventas. El próximo préstamo lo va a invertir en el mismo negocio, comprando un poco de todos los tipos de pescados de temporada. Una de sus grandes metas es mejorar su humilde casa y establecer ahí mismo su negocio para no tener que salir a ofrecer su producto.
Guadalupe es integrante del grupo Santa Cruz que está formado por personas trabajadoras y capaces de salir adelante por sus familias. A continuación se mencionaran cada una de ellas y su respectiva actividad: Guadalupe vende pescado, Hortencia vende comida, Yaneli vende comida, Baltasar vende frutas y legumbres, Lucila vende dulces, Graciela vende antojitos mexicanos, Leonarda vende refrescos, Alicia vende pescados, Felix vende ropa, Ealis vende medicamentos y Gloria vende refrescos.
Previous Loan DetailsHortencia is 35 years old, married, and has 3 children who are in school: José Manuel is in his 3rd year of high school, Isidro is in his 2nd year of high school, and Rosa Isela is in her 2nd year of middle school. Hortencia’s husband is named José Luis and he makes a living in agriculture. H... More from Santa Cruz Group's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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.
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Success!! The loan was 100% repaid