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Luz De San Antonio Group
In this Group: Nicolaza Margarita, Enma Gina, Nancy Elizabeth, Rocio Victoria, Olinda Yola, Yolanda Florentina, Bertha Giovana, Jose Luis *, Olivia Esther, Llerlit, Everlinda*, Hermenegilda Trinidad, Celina Julia
* not pictured
Nicolaza Margarita M. E.

My family and I had to leave the town where we lived, San Samián – Huarochirí. We had to go to Lima due to a work proposal my husband received. Unfortunately, he suffered an accident in transit. He could not keep working as a bricklayer for one year.

At the root of this situation, I see myself in the necessity of working for my family. I had to go up and down the streets with my two small children knocking door to door selling food and fruit. I also washed clothes and helped cook in popular dining rooms to survive and not leave my family abandoned. Even so, these earnings did not cover the expenses that we had.

I soon came to learn from a nephew who participates in EDAPROSPO-PROSPERIDAD about the loans they give to people like me, entrepreneurs. I realized that this was the opportunity that I was looking for to progress economically. That is how I became part of the Luz D. San Antonio Community Bank. I am currently the president. Thirteen people participate. We work in businesses.

With my first loan that I got from EDAPROSPO-PROSPERIDAD, I could buy merchandise like flowers, medicinal plants, and natural medicines. They generated earnings that helped with my family’s expenses. Now, at 41 years of age, I have maD. my business grow. I no longer sell my products door to door, but I have a space that I was able to rent with the loans that I received.

For me, EDAPROSPO-PROSPERIDAD was the help I needed to progress. I am sure that with the loans that follow my business will grow even more.
View original language description ↓
Nicolaza Margarita M. E..
Mi familia y yo tuvimos que dejar el pueblo donD. vivíamos San Damián - Huarochirí a Lima, debido a L. propuesta laboral que le hacen a mi esposo. Lamentablemente sufrió un accidente D. tránsito que le impidió seguir laborando D. albañil por un año. A raíz D. esta situación me veo en L. necesidad D. trabajar por mi familia, lo cual tuve que recorrer las calles con mis dos pequeños hijos, tocando D. puerta en puerta ofreciendo comida y fruta; además lavaba ropa y ayudaba a cocinar en los comedores populares a fin D. subsistir y no dejar en el abandono a mi familia, aún así estos ingresos no cubría los gastos que teníamos. Pronto llego a enterarme por una sobrina que participa en EDAPROSPO-PROSPERIDAD los créditos que daban a personas como yo, microempresaria. Me di cuenta que era L. oportunidad que buscaba para progresar económicamente, es así que logro formar parte D. L. Alcancía Comunal “Luz D. San Antonio”, actualmente ocupo el cargo D. presidenta y somos trece personas que participamos, los cuales nos dedicamos al comercio. Con mi primer crédito que obtuve D. EDAPROSPO-PROSPERIDAD puD. comprar mercadería D. flores, plantas medicinales y medicamentos naturales, lo que generó ganancias que ayudaron en los gastos D. mi familia. Hoy a mis 41 años he logrado hacer crecer más mi negocio, ya no vendo mis productos en forma ambulatoria, sino en un puesto que puD. alquilar con los recréditos que recibí. Para mí EDAPROSPO-PROSPERIDAD fue L. ayuda que necesitaba para progresar y estoy segura que con los siguientes préstamos que obtenga mi negocio crecerá aun más.

Additional Information


EDAPROSPO seeks to use micro-credit to foster productive commercial activity for the sake of economic and social development within vulnerable urban and rural sectors traditionally neglected by commercial banks. By offering innovative products such as technical education loans and microfinance groups for young people, EDAPROSPO helps disadvantaged Peruvians lift themselves out of poverty.

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.

About Peru

  • $12,000
    Average annual income
  • 130
    View loans »
    Peru Loans Fundraising
  • $58,907,975
    Funds lent in using Kiva
  • 3.0
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz De San Antonio Group's $2,300 loan helped a member buy supplies.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 17, 2009
Jul 18, 2009
Currency Exchange Loss:
Nov 15, 2009