A loan of $3,700 helped a member to buy organic fertilizer, insecticides, fertilizers, and Calidra-brand lime.

Chibaty Group's story

Margarita is 44 and is from a very picturesque community where the majority of the residents make Ocoshal [woven pine fiber] handcrafts. Margarita tells us that a friend invited her to take out a loan in order to improve her avocado trees; this friend saw her trees and said "These trees are in very bad shape; you need to fertilize them in order to have a good harvest". Margarita replied "The truth is that right now I don't have much capital to invest, and everything I would need to keep them in better shape is very expensive". It was then that her friend invited her to form part of her group, called Chibaty, where they were taking out a loan to improve their businesses. Margarita decided to join because she wanted to improve her trees and thus help her husband to improve their living conditions. She says that she has 58 trees that are already 4 years old, and that they have not yielded much fruit because she has not been able to provide optimal maintenance. When it is harvest time, she goes to the central supply centre of a nearby village and sells her fruit in small bags; her harvest is not very large. She says that she hopes that, with this loan, she will be able to buy everything her trees need, such as fertilizers, manure, insecticides, and Calidra-brand lime. She says that she is grateful to Vision Fund because they will provide this loan. It will be of great use to her and she will benefit greatly. The other five group members are called María Leucadia, Amelia, Irma, María Crisanta, and Ausencia. They will invest in supplies for the cultivation of avocado and for the purchase of materials for making Ocoshal [woven pine fiber] handcrafts.

In this group: Maria Leucadia, Amelia, Irma, Maria Crisanta, Margarita, Ausencia

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Translated from Spanish by Kiva volunteer Christine Cooper

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