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Mirador De Carabayllo Group
In this Group: Efrain Ponciano, Noemi Marcelina, Rosa Elvira, Nelva, Martha, Victor Luis, Gladys Milagros, Zenaida, Maria Elena, Meribeth Margarita
Gladys Milagros Z. R., who appears seated in the photograph, is 39 years old and married with two sons who are minors. She is part of the "El Mirador D. Carabayllo" group, which consists of 10 active members.

Ten years ago when her husband lost his job, she realized that they were lacking many basic necessities such as food, clothing, and education for their children, and she took the initiative to start a business which would proviD. her with income each day and at the same time leave her with time to take care of her small children after they came home from school.

So, she began to work selling orange juice on a major road, starting her business with a small loan that she was able to secure and with which she acquired the necessary tools, which in this case were an orange peeler, a juicer, a few small tables, glasses, oranges, and sugar.

With her work, she has been able to support her husband and cover household expenses, purchase some furniture for her home, and move her children to a private school.

Today, they have acquired two cars to use as taxis, and in the near future she would like to formally open a taxi service business.

The loan requested is intended for the purchase of tires for one of the cars so that it can pass inspection, an absolute requirement to proviD. taxi service in Lima.
View original language description ↓
La Sra. GLADYS MILAGROS Z. R., quien se encuentra sentada en la fotografía; tiene 39 años, es casada y tiene 2 hijos varones, menores D. edad. Ella forma parte del Grupo “El Mirador D. Carabayllo” integrado por 10 socios activos.

Hace diez años, cuando su esposo perdió el trabajo, y al notar que pasaba por muchas necesidades primordiales como alimentación, vestimenta y estudio D. sus hijos, tuvo la iniciativa D. poner un negocio, que le pudiera dar un ingreso todos los días y a la vez le diera tiempo para atender a sus pequeños hijos luego que ellos regresaran del colegio.

Así, empezó a trabajar vendiendo jugo D. naranja en una avenida principal, inició con un pequeño préstamo que pudo conseguir, con el que adquirió las herramientas necesarias que en éste caso eran el pelador D. naranjas, el exprimidor, unas mesitas, vasos, las naranjas y azúcar.

Con su trabajo, ella ha podido apoyar a su esposo con los gastos familiares, adquirió algunos muebles para su casa, trasladó a sus hijos a un colegio particular.

Hoy en día, han adquirido 2 autos para hacer taxi, y le gustaría en un futuro no muy lejano tener una empresa D. taxis constituida formalmente.

El préstamo solicitado lo destinará la compra D. llantas para uno D. los autos para que pueda pasar la revisión técnica, requisito indispensable para dar servicio D. taxi en Lima.

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
  • 156
    View loans »
    Peru Loans Fundraising
  • $60,187,950
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Mirador De Carabayllo Group's $2,175 loan helped a member to invest in a new business idea.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 17, 2009
Oct 7, 2009
Currency Exchange Loss:
Feb 15, 2010