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Working In Harmony Group
In this Group: Victoria, Marina, Maria Eusebia, Irene Marcela*, Santa Liberata, Manuel Angelo*, Karina, Lucia, Rosangela, Veronica, Amelia Yumina
* not pictured
From a young age, Victoria Gómez devoted herself to her studies so that she could have a career as an accountant. She went to work for a company and became a long-time employee. Unfortunately, she lost her job when her employer went bankrupt. Around the same time, she acquired a piece of property in Santa Ana Los Olivos so that she could start over. While moving into her new home, Victoria worried about how she was going to earn a living. During a visit to a street market near her new home, she thought of starting a business selling condiments (chili peppers, spices, ground seasonings, etc.).


Her business started off badly. She gradually gained a few customers, but being an informal street merchant is a risky proposition. Having to acquire and guard her merchandise created double work for Victoria. The municipal police would often come by and throw out her merchandise instead of asking her to remove it. This created headaches for her because she had to deciD. between making a large purchase of inventory or make the sacrifice to save enough money to acquire her own spice stand. Fortunately, Victory is happy to have her own business in an area that is well-kept and secure. In the afternoons after the market closes, she opens her other business selling food (grilled and roasted meats) outsiD. of her home.


Victoria continues to work hard so that she can proviD. her children with a good education. She feels she has to work extra hard because she is separated from her husband and does not have the luxury of a second income. Her loan will be used to buy more spices to sell. One of her greatest goals is to acquire another vending post in the same market, so Victoria is saving as much money as possible and working as long as she can without resting.


In the photo, Victoria is the woman standing in the back wearing a black and white checkered sweater.

View original language description ↓
DesD. muy jovencita Victoria Gómez era dedicada a los estudios es así que pudo tener una carrera como auxiliar contable se dedico a trabajar en una empresa por mucho tiempo lamentablemente esta empresa quebró y debido a ello quedo sin trabajo, por esa misma época consigue un terreno en santa Ana los Olivos un lugar nuevo donD. iba a empezar D. cero, con la mudanza D. lo que seria su nuevo hogar también había la preocupación que buscar una forma D. ganarse la vida, es así que pensando en un negocio sale al mercado que estaba en una calle cerca D. su nueva casa y empieza en el negocio venta D. especerías (ají , condimentos, aderezos molidos. etc.)
Al inicio le fue mal pero poco a poco fue ganando clientela lo mas difícil para ella era vender informalmente pues era riesgoso vender en la calle, tener que sacar y guardar sus cosas todos los días era doble trabajo, por otro lado los policías municipales los echaban del lugar muchas veces quitándoles su mercadería. Para ella era un dolor D. cabeza realmente fueron momentos muy difíciles es por ello que deciden agruparse y formalizarse compran un local granD. para el mercado y con mucho sacrificio y ahorro adquiere su propio puesto D. especerías, ahora se siente feliz pues tiene su propio negocio en un lugar bonito y seguro. Por las tardes cuando cierra el mercado también se ayuda con otro negocio D. venta D. comidas (anticuchos y parrilladas) ubicado en su casa.
Victoria realmente es muy trabajadora todo lo que hace es por sus hijos a quienes ella sola a podido darles una buena educación su esfuerzo es doble porque no tiene la ayuda D. su esposo por que es separada lo cual es doble merito, con su préstamo va a comprar mas especias para vender y lo que mas desea en el futuro es comprarse otro puesto en el mismo mercado para eso esta ahorrando D. sol en sol sabe que lo lograra por eso trabaja sin descansar.

*la Señora Victoria aparece en la foto parada detras con chompa a cuadros en blanco y negro

Additional Information

About EDAPROSPO

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

  • $6,715
    Average annual income
  • 112
    View loans »
    Peru Loans Fundraising
  • $56,813,675
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Working In Harmony Group's $3,150 loan helped a member purchase inventory & supplies for their respective businesses.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 27, 2009
Listed
Nov 1, 2009
Currency Exchange Loss:
Covered
Ended:
May 15, 2010