Marina is a nurse by profession and pursued her career until she had her second child. She decided to quit her job so that she could devote herself to her family. Marina began sewing in her free time with the idea that it might prove to be useful someday. Her brother manufactures toy kangaroos, so she began working for him as a seamstress to earn some extra money. During this time, she continued to work until her brother convinced her to open her own workshop. Now she manufactures and sells toys kangaroos on her own and sells them wholesale to markets, stores, and businesses in the area. With her earnings, Marina has been able to help with her children’s education and complete the construction of her house. Even though her business experiences highs and lows, she has been able to maintain her customer base. Her workshop is currently located in her home, but later on she wants to have a larger place where her employees can work comfortably. Her goal is export her products, so she wants to be able to produce more items.
Sra. Marina serves as the treasurer for the group “Trabajando en Armonia” (Working in Harmony), which consists of eleven members who are all friends and live in the same neighborhood. The money she will receive will be used to buy supplies for manufacturing toy kangaroos such as fabric, zippers, thread, and other items. Marina knows that her business will grow in the future, so she continues to work tirelessly.
*Marina is the woman in the photograph wearing a fuchsia blouse.
Marina es Enfermera de profesión, ejerció su carrera hasta tener su segundo hijo, dejo el trabajo para dedicarse a su familia, en sus momentos libres estudio corte y confección sin pensar que algún día eso le serviría de mucho, ella tiene un hermano que se dedica a la confección de canguros es así que empieza a trabajar como costurera para ganarse un dinero extra , durante algún tiempo laboro y es su hermano quien la incentiva para que ponga su propio taller, ahora ella confecciona y vende canguros por su propia cuenta reparte al por mayor a los mercados ,tiendas y negocios del rubro.Con sus ganancias ha logrado ayudar en los estudios de sus hijos y también terminar la construcción de su casa ,su negocio marcha bien a pesar que hay épocas bajas y altas pero ella logra mantener a su clientela, actualmente su taller lo tiene en su propia casa para mas adelante quiere tener un lugar mas grande para comodidad de sus trabajadores y poder producir mas ya que su meta es exportar sus productos, la Sra. .Marina es tesorera del grupo “TRABAJANDO EN ARMONIA” que esta conformado por 11 socias todas amigas y vecinas del barrio donde viven, el dinero desembolsado lo usara para comprar los insumos que necesita para la confección de canguros como telas, cierres, hilos etc. Marina sabe que en un futuro su negocio crecerá y es para eso que trabaja incansablemente.
*Marina es la que viste polo color fuccia
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.