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Unidas Por Siempre Group
In this Group: Primitiva, Norma, Maria Soledad, Eusebio*, Margarita Mamerta*, Natalia Yanett, Yenifer Vanessa, Stefhany Norma, Maria, Ida Haide
* not pictured
Unidas Por Siempre

The Unidas Por Siempre Communal Bank has participated with EDAPROSPO for three years. The intent of its ten members is to make progress through their businesses in order to give the members of their households a better quality of life. They have small businesses like selling footwear, clothes, sweets, purses, and soft drinks.

Primitiva Huamán tells us her story. She had to work when she was 15 because of the lack of economic resources in her home (Huancavelica), which is the poorest department in Perú. In my house I maD. the most well known breads like mountain bread. To do so, I bought the wheat whole and ground it at home. I baked it in the oven my father maD.. I got up early to travel the streets offering the breads. I had to be at the stop (the wholesale market in Lima) at 3:00 a.m. to buy vegetables like onion, corn, lemon, and spinach. All are in packages, which I then distributed to the stores. The next day I collected payments. I maD. baskets from reeds. I sold fruit (apple and prickly pear). With these jobs I helped my husband support and educate our eight children. I worked selling many things. The situation was critical because my husband got sick, and I had to support him even more until he could reestablish himself. I was selling food. I stopped that due to the rent increase on the stand. I bought merchandise like blankets, quilts and pants. I sold them all and was able to increase the number of orders. I needed loans to be able to fill the orders. I used the loans I received to buy merchandise (pots, buckets, cups, bed, jackets, blankets, quilts, and shoes). Through God’s will I finished educating my children in school. I improved my reed house with a corrugated metal roof into a house maD. from strong material. All of this was possible because of the earnings I got from my sales and with help from my children who now work abroad. My children do not want me to keep working because I am 65. I receive some form of help from them, but I have decided to keep working as a small businesswoman because I feel like an active and useful person in this society. My earnings pay my basic household expenses, and I do not depend on the money from my children because I know that they have their own families, which means extra expenses. I will use the loan I receive to buy women’s underwear, hosiery, and outfits that are in great demand during this Christmas season.

My name is Yenifer Girón, and I am 27 years old. I started as a small businesswoman because I wanted to study for a professional career. I knew that my family could not afford that because the economic condition of our household would not allow it. That is why on the week ends I worked as a waitress in the rural clubs. During this time I saved in order to buy summer sandals (30 pairs). I got the merchandise at a lower price from my cousin because he manufactures them. Thanks to God, I sold all of the merchandise to my friends and acquaintances. I have been working this way for over a year. The income from these sales, plus the work that I now do cooking in the clubs, allows me to study for a professional career in gastronomy in the Continental (Huancayo) Institute. I can also pay my household expenses, and I bought a bedroom set. I need this loan to buy 50 pairs of shoes, sandals, and boots. Finishing my career is my goal. I know that it will be hard, but in the end I will be able to finish it and be a professional cook. I will be doing what I most like to do. The career that I chose is profitable enough, which will allow me to help my family more.
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UNIDAS POR SIEMPRE

La alcancía comunal Unidas por siempre participa hace tres años en EDAPROSPO – PROSPERIDAD, el propósito D. sus diez integrantes es alcanzar el progreso a través D. sus negocios para brindarles a los miembros D. su hogar una mejor calidad D. vida. Ellos se dedican al comercio minorista como: venta D. calzado, ropa, golosinas, carteras, refrescos. Nos cuenta su caso Primitiva Huamán quien tuvo que trabajar a los quince años D. edad por falta D. economía en su hogar (Huancavelica) departamento más pobre del Perú. Preparaba en mi casa bolos más conocidos como panes D. la sierra, para ello compraba el trigo entero lo molía en casa y lo horneaba en el horno que hizo mi padre. Me levantaba temprano para recorrer las calles ofreciendo los bolos.
Así mismo tenía que estar a las 3:00 am. en la parada (mercado mayorista D. Lima) para comprar verduras: cebolla, choclo, limón, espinaca todo por paquetes, después los repartía a las tiendas y al día siguiente les cobraba, del mismo modo elaboraba canastas hecho D. junco, vendía fruta (manzana y tuna). Con estos trabajos ayudé a mi esposo en mantener y educar a mis ocho hijos en el colegio. Trabajé vendiendo muchas cosas la situación era bastante crítica porque mi esposo se enfermó teniendo que apoyarlo aún más hasta que se restableciera. Estuve vendiendo comida, lo dejé debido al incremento D. la renta del local. Compré mercadería D. frazadas, edredones, pantalones los llegué a vender todos, consiguiendo aumentar el número D. pedidos, lo cual necesité créditos para cumplir en ello.
Los préstamos que recibí lo invertí en mercadería (ollas, baldes, tazas, cama, casacas, frazadas, edredones y zapatos). Con la voluntad D. Dios terminé D. educar a mis hijos en el colegio, mejoré mi casa D. esteras y techo D. calamina en una vivienda D. material noble todo fue posible con las ganancias que obtenía D. mis ventas además D. la ayuda D. mis hijos que hoy trabajan en el extranjero. Mis hijos ya no quieren que siga trabajando porque tengo 65 años y recibo D. alguna manera el apoyo D. ellos, pero he decidido continuar trabajando como microempresaria porque me siento una persona activa y útil en esta sociedad, así mismo mis ganancias pagan los gastos básicos D. mi casa y no depender del dinero D. mis hijos porque sé que también tienen su familia y eso involucra gastos adicionales. El préstamo que recibiré lo invertiré en ropa interior para damas, medias, conjunto D. ropa que es D. mayor demanda en esta fiesta naviD.ña.

Yenifer Girón, tengo 27 años D. edad, me inicié como microempresaria debido a que quería estudiar una carrera profesional; sabía que mi familia nos podía costear la inversión porque la situación económica D. mi hogar no lo permitía, así es que los fines D. semana prestaba servicios D. mesera en los clubs campestres; durante ese tiempo ahorré con el propósito D. invertir en sandalias D. verano (30 pares), adquiriéndole a mi primo la mercadería a menor precio dado a que es fabricante. Gracias a Dios vendí toda la mercadería a mis amistades y conocidos; estoy trabajando más D. un año D. esta manera los ingresos D. estas ventas más los trabajos que ahora realizo D. cocinera en clubs me permite estudiar la carrera profesional D. gastronomía en el instituto Continental (Huancayo), aportar en mi hogar y me compré un juego D. dormitorio. Requiero D. este préstamo para comprar cincuenta pares D. zapatos entre botas y sandalias. Terminar mi carrera es mi meta, sé que será duro pero al final lograré terminarlo porque seré cocinera profesional, desempeñándome en lo que más me gusta hacer. La carrera que elegía actualmente es bastante rentable lo que me permitirá ayudar más a mi familia.

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
  • 66
    View loans »
    Peru Loans Fundraising
  • $54,600,625
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Unidas Por Siempre Group's $1,600 loan helped a member buy merchandise, shoes.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 13, 2009
Listed
Nov 30, 2009
Currency Exchange Loss:
Covered
Ended:
Apr 15, 2010