Belinda


Status: Paying Back

$800.00   Loan Amount
53% repaid

About the Entrepreneur

(For privacy reasons, the Field Partner has requested that last name be undisclosed)
Name: Belinda
Location: Lima, Peru
Activity: Internet Cafe

About the Loan

Loan Amount: $800.00
Loan Use: To buy computers
Repayment Term: 14 months - View details below
Lenders Repaid: Monthly
Currency Exchange Loss: Covered
Date Listed: Apr 1, 2009
Date Disbursed: Mar 20, 2009
Date Funded:Apr 1, 2009

About the Country

Country:Peru
Avg Annual Income:$6,715.00
Currency:Peru Nuevos Soles (PEN)
Exchange Rate:3.1450 PEN = 1 USD



Belinda is 46 years old and lives with her husband and their three children in their own house in the district of Ventanilla, Lima. She works in an internet cafe that she installed in her home, and normally works there all day long, however, she gets more business in the afternoon and night. Hers is the only such business in the area, and because she is close to a high school, the children and teenagers wait in line to use the computers. For this reason she is planning to expand her business and buy more computers to satisfy all of her clientele and continue to grow little by little. She also has another business. Thanks to her hard work she was able to buy a car, and this car is rented out Monday through Friday earning good income. Her oldest son uses the car for work on the weekends, and for this reason she has thought about buying another car to have more income. Belinda has many business ideas but she needs the capital to permit her to change her thoughts into reality. With the money she is requesting she will buy used computers for her internet cafe, and, if possible, make a down payment on another car.

Translated from Spanish by Emily Meinecke, Kiva Volunteer


Belinda tiene 46 años, vive con su pareja y sus tres hijos, en su casa propia en el distrito de Ventanilla, Lima. Se dedica a la atención de sus cabinas de internet que instaló en su propia casa, suele dedicarle todo el día, pero en horas de la tarde y de la noche es cuando es más concurrido su negocio, ya que por la zona en la que vive es la única que está cercana a un colegio de la zona, por lo que los niños y jóvenes hace cola para utilizarlas. Por ello está pensando en agrandar su negocio y comprar más computadoras para poder satisfacer a toda su clientela e ir creciendo poco a poco. Por otro lado tiene un negocio paralelo, ya que gracias a su arduo esfuerzo pudo adquirir un motocarro, el cual alquila de lunes a viernes generando buenas ganancias, además su hijo mayor trabaja con la moto los fines de semana, es por eso que también ha pensado en adquirir otra, para tener más ingresos. Belinda tiene muchas ideas de negocio pero para eso necesita de un capital que le permita hacer de sus pensamientos una realidad. Con el dinero que solicita comprará computadoras de segundo uso para sus cabinas públicas de Internet, y si es posible, dar la cuota inicial para adquirir otro motocarro.

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Journal entries for Belinda


Loan has been disbursed
 
Entrepreneur: Belinda
Location: Lima, Peru

Thank you for your loan. It has been disbursed to Belinda by Microfinanzas PRISMA in Peru. We are excited to watch this business grow. Over the 11 months of this loan, Microfinanzas PRISMA will be collecting repayments from this entrepreneur and posting progress updates on the Kiva website.


Posted by from Lima, Peru
Apr 2, 2009
Comment on this entry

Sus ganancias aumentan.
 
Entrepreneur: Belinda
Location: Lima, Peru

Con el préstamo, Belinda lo invirtió en la compra de otra moto taxi con el que su hijo lo trabaja. Ahora con el negocio de las cabinas de Internet y con los ingresos de las dos motos taxi sus ganancias han aumentado, logrando así dar una mejor calidad de vida a su familia. El trabajo que realizó dentro de su banco comunal fue de mucho provecho poniendo todo su empeño en pagar las cuotas a tiempo, agradece además a Microfinanzas PRISMA ya que le permitió salir adelante e invertir en la compra de su moto. Su próxima compra será adquirir más computadoras para implementarlas a su cabina de Internet de esta manera cumplirá con la meta que se había trazado.


Posted by Betsabé Bruno Morales from Lima, Peru
Aug 28, 2009
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Kiva Help Repayment Schedule for Belinda

  Expected Repayments Actual Repayments Comments
June 2009 $54.11 $54.11 Repayment Received
July 2009 $56.95 $56.95 Repayment Received
August 2009 $58.95 $58.95 Repayment Received
September 2009 $60.27 $60.27 Repayment Received
October 2009 $62.44 $62.44 Repayment Received
November 2009 $65.90 $65.90 Repayment Received
December 2009 $67.09 $67.09 Repayment Received
January 2010 $69.51 Available Jan 1  
February 2010 $72.75 Available Feb 1  
March 2010 $75.21 Available Mar 1  
April 2010 $77.01 Available Apr 1  
May 2010 $79.81 Available May 1