Santa Rosa De Yanacoto Group
Pamela is a 21-year-old, young lady who is single and a student majoring in tourism and hospitality. She began baking bundt cakes two years ago with a small amount of capital she got from her mother which she used to buy bundt cake pans, a mixer, spatulas, and the ingredients needed for this product. She sold them to her family and friends. Soon after she learned of the loans which EDAPROSPO – PROSPERIDAD gives to entrepreneurial persons like herself so she decided to participate in the “Santa Rosa de Yanacoto" communal bank, a group which currently consists of 10 members. The initial funds she got from our institution were used to buy bundt cake forms, chocolate icing, decorative boxes since the Christmas holidays were near. This turned out to be very profitable because her profits allowed her to pay for transportation, to get school materials, and to pay her travel expenses for school. She needs this loan to buy Christmas-themed cake forms, wrapping materials, chocolate icing, cocoa, whipped cream, flour, etc. to fill her holiday orders so that she can make enough money to finish her studies.
Pamela es una señorita que tiene 21 años de edad, soltera y aún estudiante en la carrera de turismo y hotelería. Empezó a preparar kekes hace dos años atrás con un pequeño capital que le dio su madre, lo cual lo utilizó para comprar kekera, batidora, espátula e ingredientes que se requieren para la elaboración de este producto lo cual les vendió a sus amistades y familia. Poco después llegó a enterarse de los créditos que da EDAPROSPO – PROSPERIDAD a personas como ella microempresaria, es así que decide participar en la alcancía comunal “Santa Rosa de Yanacoto”, grupo que actualmente participan diez personas. El primer capital que recibió de nuestra institución lo invirtió en moldes, cobertura de chocolate, cajitas decorativas dado a que estaba próxima la celebración de la fiesta navideña, esto le resultó rentable pues con estas ganancias le sirvió para pagar su movilidad, adquirir materiales de estudios, pagar los costos por viaje de estudios.
Necesita el préstamo para comprar moldes navideños, envolturas, cobertura de chocolate, cocoa, chantilly, harina y una probadora; de esta manera venderá sus pedidos en la época de navidad y así podrá culminar su carrera.
About EDAPROSPOEDAPROSPO 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.
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