Cerilo

Cerilo is 43 years old; he lives with his wife and two children. He has been a transport driver for the past 10 years: he offers cargo services with his truck, mainly transporting livestock. Initially he used his truck to only transport animals which he was selling but he noticed that in each village where livestock was sold, this transportation service was in high demand and so he went into this line of business. He travels constantly from city to city, always buying products from each area to sell at his next destination. Now, with the school year starting, it is the best time of year for him to make the greatest profit because demand for his services is so high. Cerilo's goal is to acquire another truck to increase his profit. This is his third loan with his community bank and MFP. He has found the loan experience to be very satisfactory. He will use the loan to perform maintenance on his truck, which he estimates will cost 2,300 soles, and the remainder will be used to buy second-hand goods to resell in other cities.

Translated from Spanish by Laure Kwon, Kiva Volunteer

Cerilo tiene 43 años, vive con su esposa y sus 2 hijos. Es transportista que desde hace 10 años, ofrece servicio de carga con su principal herramienta de trabajo, su camión, en el cual principalmente transporta ganado. En un inicio su camión era solo para transportar los animales que él mismo vendía, pero al notar que en cada pueblo donde se comercializa ganado es muy solicitado el servicio de transporte, fue dedicándose a esta actividad. Viaja constantemente a diferentes ciudades, aprovechando para comprar productos de cada zona para venderlos en su próximo destino. Ahora que empieza la época escolar es cuando tiene mayores ganancias por haber mayor demanda del servicio de transporte. El anhelo de Cerilo es adquirir otro camión para incrementar sus ganancias. Es la tercera vez que lleva un crédito con su banco comunal y MFP, para él ha sido una experiencia muy satisfactoria. El dinero que solicita lo utilizará para el mantenimiento de su camión, lo que está valorizado en un monto aproximado de 2300 soles y con la otra parte, comprará mercadería de ocasión para vender en otras ciudades.

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