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Margarita
Margarita is 38-years old and lives with her husband, her 15-year old daughter and 12-year old son in a house that the family owns. For two years she has worked preparing and selling coffee to the merchants at Belaúnde market in her town.

She is taking advantage of the low temperatures, due to the approaching winter, which increases the demand for hot drinks. Thus, Margarita gets up very early and sells coffee and sandwich to the workers who begin their work day close to the market. She then returns home before noon to do house work and goes back to the market in the afternoon to continue selling.

Margarita is very happy, as her business is profitable because she prepares just the right quantity to meet the needs of her "caseritos" (loyal customers). Also, she knows that to continue improving her profits, in the future she will need to rent a location to sell greater quantities.

This is her third loan with Microfinanzas PRISMA and she is very happy with her community bank, as the members are friends, and also very punctual with their loan payments. With the requested loan she will buy a coffee maker and disposable cups. Also, Margarita wants to invest in another business, possibly one selling food.
View original language description ↓
Margarita tiene 38 años, vive con su esposo, su hija de 15 y su hijo de 12 años en su casa propia. Desde hace 2 años se dedica a la preparación y venta de café, distribuyendo esta bebida a los comerciantes del mercado Belaúnde de su localidad. Aprovechando que la temperatura está bajando debido a la cercanía del invierno, el consumo de bebidas calientes es muy requerido por las personas. Por ello, Margarita se levanta muy temprano y vende sus vasos de café acompañados de sándwich a los trabajadores que empiezan su jornada diaria cerca del mercado, regresa antes del medio día para realizar sus labores en casa y por las tardes vuelve a salir a vender. Margarita se encuentra muy contenta, ya que su negocio es rentable porque prepara las cantidades necesarias para los pedidos que le hacen sus “caseritos” (fieles clientes) como ella los llama, además sabe que de seguir mejorando su rentabilidad, en un futuro podrá alquilar un local para vender con mayor comodidad su café. Este es su 3er préstamo con Microfinanzas PRISMA y está muy contenta con su banco comunal puesto que entre todos los miembros son amigos, además de ser puntuales en sus cuotas. Con el dinero solicitado comprará otra cafetera y vasos descartables. Además, Margarita quiere invertir en otro negocio, que muy posiblemente sea la venta de comida.

About Peru

  • $6,715
    Average annual income
  • 124
    View loans »
    Peru Loans Fundraising
  • $56,837,725
    Funds lent in using Kiva
  • 3.0
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Margarita purchase of coffee maker and investment in another business.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 11, 2009
Listed
Jun 15, 2009
Currency Exchange Loss:
Covered
Ended:
Jan 15, 2010