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Union Y Amistad Group
In this Group: Lidia, Ofelia, Marisol, Fabian, Gilberta, Sandra, Juan Carlos

Update on Union Y Amistad Group

Marisol is 23 years old and married to José, and they have two children. He works in the construction industry in Mexico City.

She is part of the group Union y Amistad [Unity and Friendship] and says that they chose this name for their group because they are very united, and when someone can't make their payment, they help each other to be able to get the payment and not lose face.

For more than four years she has been selling baby clothing and women's underwear, as well as stockings and women's socks. She says that this business took root when she saw that the women who come to her mother-in-law, who is a midwife, for an emergency consultation for help giving birth, they didn't come prepared with clothing for the baby or for themselves. They weren't ready. So it occurred to her to start selling baby clothing like small blankets, diapers, pants, bibs, baby outfits, rompers, and socks, and women's panties, pants, jackets, shoes and sanitary napkins that are used when they're going to give birth. She says that she likes her job a lot, because this way she can be devoted to her small children.

She stocks up on clothing in the cities of Toluca and Mexico in different stores where they give her lower prices, so she makes a better profit.

She is requesting a loan from Visión Fund in order to grow her business a little more, and already even neighbors from her community come and buy socks for their children's school from her. Marisol says, "I like what I sell because this way I can contribute something and I can buy what I want for my children, and help my husband with the bills. Also I'm happy to belong to this group and already I have done several cycles; they always treat us very well and have the lowest interest rates."

The other six members of the group are Lidia, Ofelia, Fabián, Gilberta, Sandra and Juan Carlos. They will invest in goods for different purposes: to sell in a school store; in the purchase of surgical material and medicine for sale; for the purchase of feed and lambs; for the purchase of fertilizer and peach and avocado plants to grow; and for the purchase of seasonal fruits and vegetables to sell.
View original language description ↓
Marisol tiene 23 años de edad y está casada con José el cual trabaja en la industria de la construcción en la ciudad de México y tienen 2 niños; ella es parte del grupo "Unión y Amistad" y dice que le pusieron ese nombre a su grupo porque ellos son muy unidos y cuando alguien no puede hacer su pago ellos se ayudan entre sí para poder obtener su pago y no quedar mal. Desde hace mas de 4 años ella se dedica a vender ropa de bebe y ropa interior para dama así como también calcetas, tines para dama, dice que este negocio lo emprendió a raíz de que su suegra es partera y ella veía que las mujeres que llegaban de emergencia a consulta para que las apoyaran a dar a luz, no iban preparadas con ropa para el bebe y para ellas y no iban preparadas, entonces ella se le ocurrió empezar a vender ropa para bebes como cobijitas, pañales, calzoncitos, baberos, trajecitos para bebés, mamelucos, pañaleros, calcetitas y para dama pantaletas, pants, chamarras, calcetas, playeras, toallas sanitarias que ocupan cuando van a dar a luz, dice que le gusta mucho su negocio porque ella así puede estar al pendiente de sus pequeños niños y surte su ropa en la ciudad de Toluca y México en diferentes maquilas donde le dan precios mas bajos y así ella tiene mejores ganancia. Ella está pidiendo un crédito a Visión Fund para hacer crecer un poco más su negocio y ya hasta vecinas de su comunidad van y le compran calcetas para la escuela de sus hijos, dice Marisol “me gusta lo que vendo por que así puedo aportar con algo y puedo comprarle lo que yo quiera a mis hijos y así ayudarle a mi esposo con los gastos, también estoy contenta por pertenecer a esta empresa ya que tengo varios ciclos trabajando y siempre nos tratan muy bien y es la que más bajos intereses tiene”. Los otros siete integrantes del grupo se llaman Lidia, Ofelia, Fabián, Gilberta, Sandra y Juan Carlos ellos invertirán en insumos para hacer diferentes platillos para venderlos en cooperativa escolar, en la compra de material quirúrgico y medicina para su venta, para la compra de alimento y borregos, para la compra de abonos y plantas de durazno y aguacate para cultivo y para la compra de frutas y legumbres de temporada para su venta.

Previous Loan Details

Gilberta is 54 years old and is a hard-working woman. Her job is very unusual, as she has been a midwife for more than 18 years. She says that she learned on her own and little by little perfected her techniques. She is recognized by Mexico's social welfare institute, which has given training to ... More from Union Y Amistad Group's previous loan »

Additional Information

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.

About Mexico

  • $15,600
    Average annual income
  • 82
    View loans »
    Mexico Loans Fundraising
  • $21,062,600
    Funds lent in using Kiva
  • 13.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Union Y Amistad Group's $3,250 loan helped a member to buy baby clothes like little blankets, diapers, pants, bibs, baby outfits, rompers, and socks, and women's panties, pants, jackets, socks, shoes and sanitary napkins.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 30, 2012
Currency Exchange Loss:
Apr 18, 2013