Las Flores De Palmadera Group
The community bank consists of 17 partners who request loans between 200 and 800 PEN to use in their businesses; the sum of all loans is 7,100 PEN.
Leonarda is married and has 3 children who are 14, 8, and 6 years old. She sells meat. Leonarda buys pigs and rams; she kills them at her house and sells the meat. Her husband and children help her in the business. The greatest difficulty that she faces is the region's flash floods, often requiring her to rebuild her business. She requests a loan of 400 PEN to buy livestock and feed for the animals. Her dream is to sell wholesale, for which she would need to invest more money. Currently she is saving to buy blankets for her children, who study out of town.
Angélica is married and has 5 children who are 13, 10, 8, 6 and 2 years old. With her first loan she received 6 months ago, she bought clothes for her children, not knowing to invest in her business. Only with part of the loan she bought small animals to raise at home and sell, slowly repaying her loan. Because of the bad investment she had problems but in spite of the difficulties she felt responsible and repaid her first loan. She requests another loan of 800 PEN to start her business; she wants to have a chicken farm so she can sell and eat the eggs. She would like to save for the repairs her house needs.
El Bancomunal tiene 17 socias las cuales solicitan prestamos entre 200 y 800 soles para utilizarlos en sus negocios, haciendo un total D. 7,100 soles.
Leonarda, es casada, tiene 3 hijos D. 14, 8 y 6 años, se dedica a la venta D. carne, Leonarda compra chanchos, carneros y los mata en su casa para vender su carne, en su negocio le ayudan su esposo e hijos. La mayor dificultad que tiene que enfrentar son los huaycos que hay en la región, donD. tiene que financiar nuevamente para su negocio. Solicita un préstamo D. 400 soles para la compra D. ganados y alimentos para los animales. Su sueño es vender al por mayor, para lo cual necesita invertir más dinero. Por ahora está ahorrando para comprar frazadas para sus hijos que estudian fuera D. la localidad.
Angélica, es casada, tiene 5 hijos en edad escolar D. 13, 10, 8, 6 y 2 años, con el primer crédito que recibió hace unos 6 meses compró ropa para sus hijos, no supo invertir en su negocio, solo con una parte compro animales menores que cria en su casa y los vendió poco a poco para pagar su préstamo, por la mala inversión tuvo problemas pero pese a ello se sintió responsable y pagó su primer crédito. Solicita un préstamo D. 800 soles para iniciar su negocio, quiere tener una granja D. gallinas, para poder vender y consumir sus huevos. Le gustaría ahorrar para los arreglos que necesita su casa.
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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