Flora Cirila Flores De Alanya's Group

Flora, Margoth and Julia have belonged to the Alegria Huamanga Communal Bank since they were 4, 1, and 1 respectively. They mention that at their Communal Bank they learned the values of saving, how to prevent sicknesses and how to care for their children. Flora is married, she is 47 and has 5 children, she works at the fair and sells groceries and fruits. At the fairs she buys grains and processes them, converting them into hulled wheat and flour products that are sold in the Nery Garcia market, an activity that she began 30 years ago. On the other hand, Margoth is single and is 21. Margoth works as a waitress in a seafood restaurant and also helps her mother in her business of selling fruits. While Julia is married, she is 48 and has 7 children. Julia has sold vegetables traveling in the April 12 Market for 30 years and furthermore, together with her husband and children makes beautiful weavings on the loom, products they sell in the Santa Clara market and bring to Lima. Flora, Margoth and Julia need loans of 1000 soles, 400 soles, 400 soles, that they will invest in the purchase of broad beans, peas, barley, peach, banana, orange, apple, grape, rice, sugar, noodles, thread, wool, carrots, onion. Their savings they will utilize to increase their capital and settle the expenses of their children’s studies. The dreams of Flora, Margoth and Julia are to have a bigger business that their children will be professionals, finalize their studies and have their own homes.

Translated from Spanish by Fallon Shields, Kiva Volunteer.

Flora, Margoth y Julia pertenecen al Banco Comunal Alegría Huamanga desde hace 4, 1, 1 año respectivamente.
Ellas mencionan que en su Banco Comunal aprendieron los valores, a ahorrar, a prevenir enfermedades y cómo cuidar a los hijos.
Flora es casada, tiene 47 años y 5 hijos, y además es feriante y vende abarrotes y frutas. En las ferias compra cereales y los procesa, convirtiéndolos en morón, trigo partido, harina, productos que son vendidos en el mercado Nery García, actividad que realiza desde hace 30 años.
Por otro lado Margoth es soltera y tiene 21 años. Margot trabaja como mesera en una cebichería y además ayuda a su mamá en su negocio de venta de frutas.
Mientras que Julia es casada, tiene 48 años y 7 hijos. Julia vende verduras en forma ambulatoria en el mercado 12 de abril desde hace 30 años y, además, junto a su esposo e hijos hacen bellos tejidos en telar como frazadas, pasadizos; productos que vende en el mercado Santa Clara y lleva a Lima.
Flora, Margoth y Julia necesitan préstamos de 1000 soles, 400 soles, 400 soles, que serán invertidos en la compra haba, arveja, papa, cebada, durazno, plátano, naranja, manzana, uva, arroz, azúcar, fideo, hilo, lana, zanahoria, cebolla.
Sus ahorros los utilizarán para incrementar su capital y solventar los gastos de estudio de sus hijos.
Los sueños de Flora, Margoth y Julia son tener un negocio más grande, que sus hijos sean profesionales, finalizar sus estudios y tener casa propia.


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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