A loan of $4,450 helped a member to buy groceries such as bread, eggs, milk, sugar, etc.


Tres Hermanos Group's story

The members of the communal bank Three Brothers are: Marcela, Fernando, Marcela's brother; and Rafael, Marcela's husband. The men are considered brothers by the community because they are always together doing things, talking, and helping one another. They live in a small, quiet town, where transportation used to be a problem, but taxis are now readily available. Marce, 40, represents the group and has been married for 18 years. She has three dependent children who are in school. Marce is hardworking and enterprising. She has three businesses: a diner, a small grocery shop, and selling clothing. She started selling clothing when her mother gave her clothing as a gift 15 years ago, and she works at this job Wednesday through Saturday. She has been managing her grocery store Sunday through Tuesday for four years. “I wanted to start another business to increase my income and help pay household expenses.” Her grocery shop is in one of the local markets. “I started selling sandwiches and tacos four years ago, but my customers liked my recipes so much that I decided to open a diner to offer more items.” Marce's diner is open every day and is managed by her employees while she is at her other two businesses. Rafael also sells clothing and has applied for a loan to buy more. Marce's businesses are successful, though her diner has competition. “I think my diner stands out because the food is delicious, and the juices are 100% natural.” The owners of her prior location asked her to move, as they wanted to run the diner. Marce moved to a space where the owners are very nice, and she was able to put in air conditioning. She says she is very lucky. The new location is less visible, but customers know where to find the best food. Marce dreams of growing her businesses and opening another diner. She smiles and says, “I will name it Maricela 2.” Her current diner is called Cocina Maricela. If she is able to open a second diner, she will give up her other businesses to concentrate on selling food. “I want my children to become professionals rather than becoming merchants, which is a very hard trade. My daughter is in middle school, and she wants very much to study for a career. I will support her in every way so that she can achieve her dream.” Fernando supports Marce's businesses, but he will invest in household appliances.

In this group: Marcela, Rafael, Jose Fernando
*not pictured

Translated from Spanish by Kiva volunteer


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