Niño Ismael Group
Carmen is single and has a 5-year-old child. After finishing her studies, Carmen borrowed money from her parents to invest in a business selling school supplies. Her mother, who is a longtime member of the communal bank, invited Carmen to participate. During her time with FINCA, Carmen's sales have increased, because she can invest more money in her business, and she has learned to save. The loan she is now requesting will permit her to buy a photocopier and to stock her business with notebooks, pencils, pencil holders, drawing supplies and all types of useful products for the beginning of the school season. Carmen's dream is to have her own house and her own shop.
Vilma is married and has 3 children, aged 16, 22 and 24. The communal bank, has helped her learn how to save. She started a business selling clothes, and thanks to the loans she has received, she has been able to buy shelves. Now she also sells jewelry, gifts and perfumes, and she would like to take advantage of the school season and invest the funds from the new loan in school uniforms to sell.
Mariluz is single and has a 4-year-old child. She started a business selling cosmetics by catalog. She did not have much capital and did not receive support from any financial institution until a friend invited her to participate in the FINCA communal banks. Thanks to the loans, she has a little more capital, which she has invested in merchandise to sell, such as school supplies, hair clips, combs, mirrors and soaps. With the current loan, she will buy student lunchboxes and some educational games. Her dream is to have a large jewelry store.
Carmen, es soltera y tiene un hijo D. 5 años, después D. terminar sus estudios Carmen se prestó dinero D. sus padres para invertir en un negocio D. ventas D. útiles escolares, su mamá la invitó a participar en el bancomunal porque es socia antigua. DesD. que está en FINCA sus ventas han aumentado, porque pueD. invertir más dinero en su negocio, ha aprendido a ahorrar. El préstamo que solicita ahora le permitirá comprar una fotocopiadora y surtir su negocio D. cuadernos, lápices, lapiceros, colores y todo tipo D. útiles, para iniciar la campaña escolar. El sueño D. Carmen es tener su casa propia y su negocio propio.
Vilma, es casada tiene 3 hijos D. 16, 22 y 24 años, es su bancomunal aprendió a ahorrar, inició su negocio vendiendo ropa, gracias a los préstamos recibidos ha podido comprar estantes, ahora tambien venD. joyas, regalos y perfumes, ahora quiere aprovechar la campaña escolar e invertir e nuevo préstamo en la venta D. uniformes.
Mariluz, es soltera tiene un hijo D. 4 años, se inició en los negocios vendiendo cosméticos por catálogo, no tenía mucho capital y no recibía apoyo D. ninguna entidad financiera, una amiga le invitó a participar en los bancomunales D. FINCA, gracias a los préstamos tiene un poco mas D. capital, que lo invierte en la venta D. mercería como útiles, ganchos, peines, espejos y jabones. Con el préstamo solicitado comprará loncheras escolares y algunos juego didácticos. Su sueño es tener una joyería granD..
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.
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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