La Misericordia Group
Update on La Misericordia GroupEsperanza is another member of this group. She is 26 years old. She attended school through high school and is married to Edi, with whom she has a daughter. She tells us that in her home she was taught from a very young age to work which is why now that she is married she has set up her own business in order to help her husband provide a better quality of life to their daughter.
Esperanza sells hot dogs and hamburgers on the weekends (Friday, Saturday, and Sunday) in a small stand that she rents in the middle of her neighborhood. She has had this business for 3 years so she has customers who always make purchases. What she likes best about her work is that it is only on the weekends so that she can spend the rest of the week taking care of her family.
She will use this loan to buy hot dogs, meat, bread, mayonnaise, ketchup, mustard, tomato, chilies, onion, bacon, oil and soft drinks to make her meals. She wants her business to continue growing and to invest her profits in the purchase of a few tables and chairs to provide better service to her customers.
The other members of the group are:
Reyna snack sales
Rosa Maria jewelry sales
Martha snack sales
Rodolfo clothing sales
Esperanza realiza ventas de hot-dog y hamburguesas los fines de semana(viernes, sábado y domingo) en un pequeño local que renta en el centro de su comunidad, ya tiene 3 años realizando esta actividad por lo cual ya tiene sus clientes que siempre le hacen el gasto, lo que mas le gusta a ella de su actividad es que solo es el fin de semana y el resto de la semana puede atender a su familia.
Ella invertirá este crédito en la compra de salchichas, carne, pan, mayonesa, catsup, mostaza, tomate, Chile, cebolla, tocino, aceite, cebolla y refrescos para la elaboración de su comida.
Ella quiere que su negocio continué creciendo e invertir sus ganancias en la compra de algunas sillas y mesas para brindar un mejor servicio a sus clientes.
Los demás clientes son:
Reyna venta de antojitos
Rosa Maria venta de bisuteria
Martha venta de antojitos
Rodolfo venta de ropa
Previous Loan DetailsMercy is a group formed by 8 people and is located in the Acatlán de Pérez Figueroa municipal. It is frequented by people from nearby communities and there is lots of commerce in the main streets. Mrs. Rosa María is 54 years old, studied until high school, was a single mom, and at the moment l... More from La Misericordia 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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