When starting out as a newlywed, Carmen recognized the need to help her husband financially in order to meet their household expenses. She wanted to sell something, but wasn’t sure what. By observing her nieces, who were always buying accessories such as pins, belts and barrettes, she got the idea to start selling these types of products. She first started selling to her acquaintances, offering all types of accessories for young girls. She also devised the idea to copy styles out of catalogs, and sell them at lower prices. With a great deal of hard work, she was able to strengthen her business. She now has a large customer base, and this has allowed her to buy some items that she needed for her house.
However, she considers educating her children to be of utmost importance. She is now thinking about making pet’s clothing, since another passion of hers is knitting. She makes ponchos, scarves, and swimsuits. Not long ago she knitted some samples that were taken to the U.S. by a relative, and she is now receiving orders for some of her items. For this reason, she is thinking about starting this type of new business. She plans to use the loan from EDAPROSPO to buy thread so she can dedicate herself to this business that she is just starting, and knows she has a bright future ahead.
Al empezar una nueva vida como casada Carmen vio la necesidad de ayudar a su esposo en la economía del hogar, ella quería vender algo pero no sabía que cosa, es así que por medio de sus sobrinas a quienes siempre observaba que compraban accesorios como ganchos, correas, vinchas. se le dio la idea de empezar a vender dichos productos, primero los ofrecía a sus conocidos compraba y vendía toda clase de accesorios para jovencitas, también se las ingeniaba para copiar modelos de catálogos y venderlos mas baratos con mucho trabajo pudo consolidar su negocio ahora cuenta con mucha clientela y gracias a esto ha podido tener algunas comodidades como comprar algunos artefactos que hacían falta en su casa, pero lo que considera mas importante es ayudar en la educación de sus hijos, ahora esta pensando en dedicarse a la confección de ropa para mascotas ya que otras de sus pasiones es el tejido a mano ella confecciona ponchos, chalinas y ropas de baño, hace poco tejió algunas muestras, un familiar lo llevo a los EEUU ahora esta recibiendo pedidos es por eso que piensa incursionar en este nuevo negocio para lo que usara el préstamo que EDAPROSPO le ha otorgado piensa comprar hilos para dedicarse a este negocio que recién empieza y sabe que tendrá un buen futuro.
*La Sra. Carmen esta en medio de todas.
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.