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Lucerito De Jose Galvez Group
In this Group: Bertha Lucia, Elizabeth Noemi, Cristina , Violeta Maria, Gloria Elvira, Isabel Barbara, Segura Emilia, Isabel Victoria*, Yulissa , Haydee *
* not pictured
Jose Galvez Shining Star

The 10 members of the Jose Galvez Shining Star village bank continue to work very hard. Now, let's get to know this group a little better. Yulissa and Barbara will share their stories as small businessmen.

Yulissa is 30 years old; working everyday seling bread, cakes, and cookies was difficult since she didn't earn much money. She sold many of her goods on credit and her customers took a while to pay her. These difficulties motivated her to change professions and to sell ceviche and chica morada (a local drink) on the corner by her home; this has gone much better for her and she has earned more than she initially thought she would thanks to her good cooking and the fact that there is little competition where she sells. Currently, she works from a cart that she purchased with loans; she was also able to purchase new utensils, buckets, pots and a display case. She would like to continue to improve her business by purchasing a mobile kiosk to more easily serve her customers. She needs a loan to buy it, fix it up, and paint it. Her earnings help to pay the costs of raising her children as she would like to proviD. for them the best she can.

Barabara is 57 years old and sells anticuchos (cow heart kebabs) and picarones (fried pork) in a local park. She has been able to pay for the education of her two children through her business. She was forced to work when her husband passed away; before that, she had no need to work. Before she started selling anitcuchos, she sold school supplies but she didn't make much money. She decided to help her mother selling anticuchos (a Peruvian delicacy). She will use the loan to buy ingredients like: cow hearts, spices, cow stomach, skewers, etc. Her youngest son is studying to be a pharmacist; Barbara's brother supports him in his studies because her earnings are only enough to cover his food and their home expenses.
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Lucerito D. José Galvez

Siguen trabajando muy duro los diez integrantes D. esta alcancía comunal Lucerito D. José Galvez, en esta oportunidad conoceremos un poco más a este grupo. Yulissa y Bárbara nos cuentan sus experiencias como microempresarias.
Yulissa es una mujer D. 30 años, el trabajar día a día como vendedora D. panes, kekes donas, galletas ha sido difícil ya que las ganancias que dejaba estas ventas eran pocas, pues la mayoría D. sus productos lo fiaba y las personas se demoraban en pagarle, lo que la impulsó a optar en preparar platos ceviche y chicha morada en una esquina cerca a su casa algo que lo hace muy bien trayendo consigo ganancias que no pensaba alcanzar, esto se debe además D. su sazón la no competencia cerca a su zona. Actualmente trabaja en una carreta que compró con los préstamos que recibió además renovó sus utensilios, baldes, ollas, y compró una vitrina, Piensa mejorar aún más su negocio pues tiene en mente terminar D. comprar un kiosco móvil D. segunda para mejor comodidad D. ella y a sus clientes, para ello requiere el préstamo quiere refaccionarlo, pintarlo darle algunos arreglos. Sus ganancias que obtiene son para apoyar a su pareja en la crianza a sus hijos menores D. edad, pues el sueño D. ella es brindarle lo mejor D. acuerdo a sus posibilidades.

Bárbara a sus 57 años trabaja muy contenta vendiendo anticuchos y picarones en un parque, con este negocio le fue posible darle educación escolar y mantener a sus dos hijos. El vender D. esta manera lo hizo porque quedó viuda y hasta ese entonces no tenía la necesidad D. trabajar. Antes del negocio D. anticuchos estuvo vendiendo útiles escolares pero no resultó. Decidió ayudar a su mamá en el negocio D. la venta D. anticuchos, que es un plato típico peruano, el crédito será para la compra D. insumos insumos como: corazón D. res, especierías, rachi, choncholí, pancita, palitos. Su último hijo estudia técnico en farmacia, es su hermano D. Bárbara quien lo ayuda en sus estudios porque las ganancias que obtiene ella es para la alimentación y gastos D. la casa.

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
  • 74
    View loans »
    Peru Loans Fundraising
  • $53,951,425
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Lucerito De Jose Galvez Group's $1,725 loan helped a member purchase ingredients.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 21, 2009
Listed
Feb 1, 2010
Currency Exchange Loss:
Covered
Ended:
May 15, 2010