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Carmen
Carmen, 42, lives in her own house with her children, Oswaldo, 22; and Nicol, 20.

She has been selling beauty products for two years. She started this business because she needed work that she could do at home. That is why she decided to start selling to her relatives and friends. It turned out to be very profitable. She now sells to the whole neighborhood. She is well known because she always knows how to give good beauty advice. Carmen works almost all day. She goes to her neighbors’ houses to chat and inform them about the products that she offers. The other part of her time she spends on collections. This is the most difficult part of the business when payments are overdue or people simply do not want to pay. Happily, this does not happen often. Each time she learns more, and she does not make the same mistakes.

Her plan for the future is to have another business in her house. She has not decided what, but she has different ideas.

Carmen has been with Mircofinanzas Prisma for a long time. This is her 16th loan. She is characterized as being very punctual with all of her payments. She will use the money she is now asking for to buy a display case to exhibit and offer her cosmetics in the door way to her house. She will also buy products to have in stock.
View original language description ↓
Carmen tiene 42 años, vive con sus hijos: Oswaldo de 22 y Nicol de 20 años en su casa propia. Edad, estado civil, miembros de su familia. Desde hace 2 años se dedica a la venta de productos de belleza, incursionando en este negocio porque necesitaba un trabajo que pudiera realizar desde casa. Es por eso que decidió comenzar vendiendo entre sus familiares y amigas, resultándole muy rentable, ahora vende por todo su vecindario y es muy conocida porque siempre sabe dar buenos consejos de belleza. Carmen le dedica a su trabajo casi todo el día, ya que visita las casas de sus vecinas para conversar e informar sobre los productos que ofrece y otra parte la dedica a la cobranza, que es la parte más difícil del negocio, ya que le ha pasado que alargan el tiempo de pago o simplemente no quieren pagar; felizmente son pocos los casos y ella cada vez aprende más y no comete los mismos errores. Entre sus planes a futuro están el tener otro negocio en su propio domicilio por el cual aún no se decide ya que tiene diferentes ideas. Carmen es una cliente muy antigua en Microfinanzas PRISMA y este es su 16avo préstamo, caracterizándose por haber sido muy puntual en todos su pagos. Con el dinero que ahora solicita comprará una vitrina para exhibir y ofrecer sus cosméticos en la puerta de su casa, además invertirá en comprar productos de oferta para tenerlos en stock.

About Peru

  • $12,000
    Average annual income
  • 130
    View loans »
    Peru Loans Fundraising
  • $57,919,550
    Funds lent in using Kiva
  • 3.0
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Carmen increase merchandise and buy a display case.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 18, 2009
Listed
Jul 5, 2009
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2010