Virgen Del Carmen Group

Virgen del Carmen

This group is comprised of ten people and was founded in Matucana-Provincia Huarochirí, which is on the Km 75 central highway. This place is characterized by its tourist attractions and the typical dishes of the Peruvian mountain ranges.

Isabel Velasquez Antezano, like the others who participate in the Virgen de Carmen Communal Bank, has looked for an independent way to progress in a small business. With time, they have been implementing more businesses.

Isabel has been selling flowers near the Plaza de Armas for over 26 years. She gets up early at 4:00 a.m. to buy the merchandise in the Lima flower market. She does this weekly. In the beginning she sold roses, gladiolas, and pompoms, which are the flowers in the most demand by the public. With the loans she received, she invested more in her business, as can be seen in the photograph. She bought a variety of different kinds of flowers, flowerpots decorated with drawings of animals, and fertilized soil. She used the earnings from these sales to cover the necessary expenses for taking care of her children and to buy merchandise.

Francisca Huanca Alcacondori, the president, sells food from Monday through Friday at a dining room in the town. Also, she makes typical dishes on the week ends to meet the demand from the tourists visiting the district. She rents out her small farm seasonally. This is generally known as shared planting because the owner provides the farm, and the renter provides the investment to obtain the product. In her free time she visits her friends’ houses in order to sell them beauty products. These additional incomes allow her to help her husband pay for post high school education in the capital (Lima) for their two children. It also pays for their room. She will use the recent loan to buy plates, cups, and supplies to sell chicken soup on the week ends.

Translated from Spanish by Ginny Kalish, Kiva Volunteer

VIRGEN DEL CARMEN


Conformado por 10 personas, este grupo se formó en Matucana –Provincia Huarochirí; esto queda en el Km 75 carretera central, este lugar se caracteriza por sus atractivos turísticos y platos típicos de la sierra peruana.

Isabel Velasquez Antezano al igual que los demás que participan en esta alcancía comunal “VIRGEN DEL CARMEN” han buscado la forma de progresar de manera independiente en negocios pequeños que con el tiempo lo han ido implementando más.

Isabel se ha dedicado a expender flores cerca de la plaza de armas desde hace 26 años, se levanta temprano 4:00 am para comprar la mercadería en el mercado de flores – Lima, esto lo hace semanalmente. Al comienzo vendía rosas, gladiolos, pompones que son flores de mayor demanda por el público. Es así que con los créditos recibidos invirtió más en su negocio como se puede apreciar en la fotografía; variedad de tipos de flores, maceteros decorativos con dibujos de animales, tierra abonada. Los ingresos de estas ventas lo utiliza para cubrir los gastos indispensables en la crianza a sus hijos y mercadería.

Francisca Huanca Alcacondori es la presidenta que trabaja vendiendo comida de lunes a viernes en un comedor del pueblo; además prepara platos típicos los fines de semana debido a la demanda de turistas que visitan el distrito.
Del mismo modo por temporadas arrienda su pequeña chacra; lo que mayormente se le conoce siembra al partir, se dice así; porque el propietario pone su chacra; y el arrendador la inversión para la obtención del producto.
Igualmente en sus horas libres visita los hogares de sus amistades, familiares con el fin de ofrecerles productos de belleza; ingreso adicionales que le permite apoyar a su esposo en los gastos necesarios para la educación superior a sus dos hijos en la capital (Lima), además pagar el cuarto de éstos. Es así que con el reciente préstamo lo invertirá en comprar platos, tasas e insumos para expender caldo de gallina los fines de semana.



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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