Nuestra Señora De Guadalupe Group
Edith started her business 7 years ago. She never thought about becoming a saleswoman since her husband was a policeman and they managed with just his wage. However, Edith started her business because her daughters were beginning their secondary education and she needed to extend and continue building their home since they lived in a rented house.
It was difficult for Edith to start out as a saleswoman since she had never worked before. First she started selling clothes and cosmetics in her home but every holiday season she decided to change her business direction according to the season. During the back-to-school season she sells school materials itinerantly and during the Christmas period she sells panettones, champagne and canned foods. However, she still works in her clothes sales business since it provides a weekly income.
Edith currently needs to work more since her husband is off work sick for 6 months as he fractured his knee. Owing to the accident, he is no longer bringing in as much money as he used to. Now Edith's strength to keep going comes from the need to continue educating her daughters so that they become professionals and the need to be able to offer them a better home, acquiring more things they need. Her husband is currently helping her to look after their daughters and she can now go out to work while he gets better.
Edith's loan will be used to extend her sales line this Christmas, adding to her sales of panettones by buying champagne and canned food.
Edith se inició en el negocio hace 07 años, ella nunca pensó llegar a ser negociante ya que su esposo trabaja como policia y dependían D. un sueldo. Ella empezò este negocio ya que sus hijas estaban ingresando a estudios secundarios y a la vez necesitaban ampliar y seguir construyendo su casa, ya que vivian en una casa alquilada.
Fue duro iniciar a ser negociante ya que ella nunca había trabajado, primero fue con la venta D. ropa y cosméticos a domicilio; pero en cada època D. fiestas optó por cambiar D. giro D. negocio D. acuerdo a la estación; en campaña escolar venD. ambulatoriamente útiles escolares, en fiestas naviD.ñas venD. panetones, champagne y conservas, pero tambien mantiene su rubro D. venta D. ropa ya que esas cobranzas las hace semanalmente, ella actualmente necesita trabajar mas, ya que su esposo se encuentra con descanso médico por una temporada D. 6 meses, debido a una fractura en la rodilla, y debido a este accidente, ya no percibe los ingresos D. su sueldo como antes. Ahora su fortaleza para seguir adelante es poder seguir educando a sus hijas para que ellas sean profesionales y la vez les pueda ofrecer un mejor hogar adquiriendo mas cosas para sus necesidades. Su esposo actualmente le está ayudando con el cuidado D. sus hijas y ella pueD. salir a trabajar mientras él se recupera.
El prèstamo adquirido es para ampliar su linea D. venta en esta navidad, adicionando a la venta D. panetones, comprar chapagne y conservas.
About EDAPROSPOEDAPROSPO 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.
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