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Las Albercas Group
In this Group: Diana, Margarita, Erika, Maria Teresa, Florinda
Doña Margarita is 54 years old and is a native of San Felipe de los Alzati, a town whose principal economy is the cultivation of poinsettias, which is a strong crop for producers during these months, because they are looking for buyers in Mexico at the national level and to other countries for their sales. Margarita is one of those producers who, year after year, makes Christmas look beautiful with spectacular poinsettias of different sizes, colors and varieties. She says, “I am proud to belong to this bountiful land; it is lovely to work with the flower that is most requested in December because it represents the birth of baby Jesus.”

She has been growing poinsettias for more than 10 years and, although sales have dropped drastically because so many people in the region also cultivate the flowers, she continues working because it is still a good business, although she invests too much time and capital in it. Right now she is requesting a loan to purchase fertilizer and paint for the greenhouses so the flowers will not mature too quickly and will be in good condition. She also will buy decorative paper because the big sales will begin in less than a month. She says that buyers from all over the country and abroad are coming because about 20 minutes away from her town there is a Monarch butterfly sanctuary and in December, the butterflies arrive.

Margarita says she grows different varieties of poinsettias such as the Japanese, Chinese, Marbel, Marbel Star, etc. She says that her goal is to buy a van to use to transport her flowers and sell them in other states of the country so she will not have to pay freight because it is a bit expensive.

The four other members of the group are Diana, Erika, Maria Teresa and Florinda. They will also invest their loans to buy supplies for their nursery beds of poinsettias.
View original language description ↓
Doña Margarita tiene 54 años y es originaria de San Felipe de los Alzati una localidad donde su principal economía es el cultivo de flor de noche buena y en estos meses son los fuertes para los productores ya que buscan compradores en México a nivel nacional y en otros países para su venta. Margarita es parte de esos productores que año con año hacen ver hermosa la navidad con flores de noche buena espectaculares de diferentes colores, tamaños y especies, ella platica “me siento orgullosa de pertenecer a estas tierras ricas en naturaleza es muy bonito trabajar con la flor mas pedida en diciembre ya que representa la natividad del niño Dios”. Ella desde hace mas de 10 años se dedica a la producción de flor de noche buena y aunque han bajado drásticamente las ventas ya que mucha gente de la región se dedica al cultivo sigue trabajando con la flor ya que es muy buen negocio aunque se le invierta demasiado tiempo y capital, ella ahorita está pidiendo un crédito para la compra de abonos, pintura para pintar los viveros y no pinten tan rápido las flores y estén en buen estado y papel por que en menos de un mes empieza la venta en grande, dice que van compradores de todo el país y turistas del extranjero ya que cerca de su localidad como a 20 minutos se encuentra el santuario de la mariposa monarca y en los meses de diciembre arriban las mariposas. Dice que ella maneja diferentes variedades de flores como son la suljibri, japonesa o china, mármol, marble star, monet, prestige, blanca, freedom, salmón, sonora. Dice que su meta es comprar una camioneta con la cual pueda transportar sus flores y venderlas en otros estados del país para no pagar flete ya que sale algo caro. Las otras cuatro integrantes del grupo se llaman Diana, Erika, María Teresa y Florinda ellas invertirán sus créditos para la compra de insumos para sus viveros de noche buena.

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
  • 39
    View loans »
    Mexico Loans Fundraising
  • $22,539,700
    Funds lent in using Kiva
  • 13.0
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Albercas Group's $4,850 loan helped a member to buy paper, fertilizer and pay to ship the flowers.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Oct 11, 2012
Oct 28, 2012
Currency Exchange Loss:
Aug 18, 2013