Villa Hermoza Group
The group members have different businesses in which they sell grains, fast food, small animals, groceries, candy, and bread.
In Norma’s case, she is a married 32-year-old mother with 3 children. Norma travels to the different street markets in the region where she purchases grains and small animals, which she then sells at different markets throughout the city of Ayacucho.
On the other hand, Santona is a married 36-year-old mother with 2 children. She sells food outside the police academy. She also sells candy with the help of her daughter.
The group members need different loan amounts—anywhere from 300 to 600 to 900.00 PEN—for a total of 7,950.00 PEN from their microfinance institute.
The loan will be invested in purchasing candy, grains, rice, sugar, and small animals.
The group members dream of working more, of seeing their children become professionals and get ahead in life, and of buying their own homes.
Las socias realizan diferentes negocios como la venta de cereales, comida, animales menores, abarrotes en general, golosinas, panes.
Como es el caso Norma que es casada, tiene 32 años y 3 hijos, Norma viaja a las diferentes ferias de la región en donde compra cereales, animales menores, productos que vende en los mercados de la ciudad de Ayacucho.
Mientras que Santona es casada, tiene 36 años y 2 hijos, Santona vende comida en la puerta de la escuela de policías, además vende golosinas, actividad que realiza con la ayuda de su hija.
Las socias necesitan diferentes montos de prestamos como 300 soles, 600 soles, 900 soles, haciendo un total de 7,950 soles de prestamos en el Banco Comunal.
Sus prestamos serán invertidos en la compra de golosinas, cereales, arroz, azúcar y animales menores.
Los sueños de las socias son trabajar mas, sus hijos sean profesionales y salgan adelante y tener casa propia.
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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