Mirador De Carabayllo Group

Gladys Milagros Zegarra Ramirez, who appears seated in the photograph, is 39 years old and married with two sons who are minors. She is part of the "El Mirador de Carabayllo" group, which consists of 10 active members.

Ten years ago when her husband lost his job, she realized that they were lacking many basic necessities such as food, clothing, and education for their children, and she took the initiative to start a business which would provide her with income each day and at the same time leave her with time to take care of her small children after they came home from school.

So, she began to work selling orange juice on a major road, starting her business with a small loan that she was able to secure and with which she acquired the necessary tools, which in this case were an orange peeler, a juicer, a few small tables, glasses, oranges, and sugar.

With her work, she has been able to support her husband and cover household expenses, purchase some furniture for her home, and move her children to a private school.

Today, they have acquired two cars to use as taxis, and in the near future she would like to formally open a taxi service business.

The loan requested is intended for the purchase of tires for one of the cars so that it can pass inspection, an absolute requirement to provide taxi service in Lima.

Translated from Spanish by Amanda McDermott, Kiva Volunteer

La Sra. GLADYS MILAGROS ZEGARRA RAMIREZ, quien se encuentra sentada en la fotografía; tiene 39 años, es casada y tiene 2 hijos varones, menores de edad. Ella forma parte del Grupo “El Mirador de Carabayllo” integrado por 10 socios activos.

Hace diez años, cuando su esposo perdió el trabajo, y al notar que pasaba por muchas necesidades primordiales como alimentación, vestimenta y estudio de sus hijos, tuvo la iniciativa de poner un negocio, que le pudiera dar un ingreso todos los días y a la vez le diera tiempo para atender a sus pequeños hijos luego que ellos regresaran del colegio.

Así, empezó a trabajar vendiendo jugo de naranja en una avenida principal, inició con un pequeño préstamo que pudo conseguir, con el que adquirió las herramientas necesarias que en éste caso eran el pelador de naranjas, el exprimidor, unas mesitas, vasos, las naranjas y azúcar.

Con su trabajo, ella ha podido apoyar a su esposo con los gastos familiares, adquirió algunos muebles para su casa, trasladó a sus hijos a un colegio particular.

Hoy en día, han adquirido 2 autos para hacer taxi, y le gustaría en un futuro no muy lejano tener una empresa de taxis constituida formalmente.

El préstamo solicitado lo destinará la compra de llantas para uno de los autos para que pueda pasar la revisión técnica, requisito indispensable para dar servicio de taxi en Lima.



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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