Maricela is one of the members of the group. She is 47 and wasn't able to go to school. She is married to Arturo. She says that she has been a merchant for 27 years. Right now she sells from her home. She sells beverages, fried food and candies. In November she also makes wreaths to sell on the Day of the Dead because people buy them from her and take them to the cemeteries to their family members' graves. She has already started to make the wreaths, but she has asked for this loan because she needs to invest in buying more materials such as flowers, glue and ribbon to make the wreaths, as well as candies, beverages and fried foods to stock her store.
Maricela says that selling the wreaths is only once a year and she should take advantage because she sells a lot because she has been making them for years for her friends and customers who order them ahead of time.
She hopes that with this investment her business will have good earnings since she would like to do some home improvements and do some work on her locale to sell snacks and beverages.
The Mariposas group thanks Kiva and VisionFund for the support they are giving through these loans.
Maricela es uno de los integrantes del grupo ella tiene 47 años de edad, no tuvo oportunidad de estudiar y está casada con Arturo, ella platica que tiene 27 años dedicándose al comercio, actualmente vende desde su hogar, refrescos, frituras y dulces, además en el mes de noviembre realiza coronas para vender en día de muertos ya que la gente acostumbra a comprarlas y llevarlas a los panteones a las tumbas de sus familiares. Ella ya ha empezado a trabajar en la elaboración de sus coronas, pero ha solicitado este crédito ya que necesita invertir en la compra de mas materiales como flores, unicel, celoseda para la elaboración de coranas y dulces, refrescos y frituras para resurtir su tiendita.
Maricela platica esta venta de coronas es solo una vez al años y se debe aprovechar porque se vende mucho, como ella ya tiene años realizándolas sus amigos y clientes le hacen sus pedidos con tiempo.
Ella espera que con esta inversión su negocio deje buenas ganancias ya que le gustaría hacer algunas mejoras a su hogar y acondicionar su local para su venta de golosinas y refrescos.
El Grupo Mariposas agradece a Kiva y a VisionFund por el apoyo que le esta otorgando atravez de estos prestamos.
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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