Virgen Del Carmen Huinco Group

This group is made up of 10 members, who live in the rural community of Huinco, in the province of Huarochirí. The main hydroelectric dam of Huinco is located in this small town, and it provides safe drinking water to the city of Lima. This group works in the retail business. Most of them began working from a very young age. Their businesses include selling sodas, sweets, fruit, food, clothes, and ice cream; these activities are the sources of income for their families. Sonia, who is the president of the group, has worked since she was twelve years old. She didn’t have the support of her father because he passed away when she was 5 years old. Since then, she started to work with her siblings selling stuffed potatoes, jelly, and popcorn. She alone had to pay for her high school education and for her technical nursing education. She couldn’t complete her education, however, because of a lack of money. Today, at the age of 28, Sonia has received her ninth loan from the financial institution, EDAPROSPO – PROSPERIDAD (prosperity). With these loans, she has invested in the purchase of merchandise to supply her small business. She sells sodas, avocadoes, custard apples, and stuffed potatoes in a small basket, offering her merchandise to the tourists and to the cars that are parked there for a few minutes before continuing their journey to the towns in the mountains of Perú. With this income, she supports her husband and the education and nutrition of her children, who are eight and three years old. Sonia wants to give them a better quality of life, which is something that she didn’t have because of her circumstances. With the recent capital that she received, she invested in the purchase of another basket because the one she had been using was in poor condition.

Translated from Spanish by Avni Shah, Kiva Volunteer

Está conformado por diez integrantes, ellos residen en la comunidad rural de Huinco-provincia de Huarochirí, en este pequeño pueblo se encuentra la central hidroeléctrica de Huinco, que es la que provee agua potable a la ciudad de Lima. El grupo se dedica al comercio minorista, la mayoría de ellos empieza a trabajar desde temprana edad, sus negocios son: venta de bebidas gaseosas, golosinas, frutas, comidas, ropas, helados; que son la fuente de subsistencia para sus hogares. Sonia quien es la presidenta del grupo trabajó desde los doce años, ella ya no contó con el apoyo de su padre; porque falleció cuando tenía cinco años. Desde entonces empezó a trabajar con sus hermanos vendiendo papa rellena, gelatina, canchita. Sola tuvo que pagar sus estudios de colegio y de instituto de enfermera técnica, no pudo concluir su carrera por la carencia de dinero. Hoy a los veintiocho años de edad Sonia ha recibido su noveno préstamo en la entidad financiera EDAPROSPO – PROSPERIDAD, con éstos préstamos lo ha invertido en la compra de mercadería surtiendo así de a poquito su negocio, ella se dedica a vender gaseosas, paltas, chirimoyas, papa rellena, en una pequeña canasta ofreciendo su mercadería a los turistas, a los carros que se estacionan allí por unos minutos para continuar su recorrido a los pueblos de las alturas (sierra del Perú). Ella sabe que con estos ingresos apoya a su esposo, en la educación, alimentación para sus hijos de ocho y tres años. Sonia quiere darles una mejor calidad de vida a sus niños, algo que no pudo conocer debido a las circunstancias. Con el reciente capital que recibió lo invirtió para comprar otra cesta porque la que tenía estaba maltratada por el uso.


About Group Loans
In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Learn more

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