Tres Esquinas - El Tambo Group
He used to work as a master baker in a firm in the city of Huancayo.
When he started living with his wife he wasn’t very well accepted by her family because they lived in a room in his mother-in-law’s house. As he felt the need to leap forward in order to proviD. a better quality of life for his two children, who are 6 and 2 years of age respectively, he decided to leave his mother-in-law’s house and start a bakery. However, money was insufficient.
The start wasn’t easy because he had very little capital, which was savings from his salary. It wasn’t enough to cover the start up costs of the business.
Later they decided to start with help from his wife. They left his mother-in-law’s house and rented a house in which his bakery and a grocery store nor operate. Luis Alberto is mindful of his wife’s support because he prepares the bread and she goes out in the afternoon to sell it. He has a small grocery store in the bakery and they need more working capital to stock the little store.
Loan’s Purpose: To buy merchandise for the grocery store that operates in the bakery.
**The small photo is Mr. José Antonio S. R., who does not appear in the main group photo**
(En la foto esta D. pie y viste un guardapolvo color gris y tiene puesto unas gafas).
Luis Alberto anteriormente trabajaba como maestro panadero en una empresa D. la ciudad D. Huancayo.
Cuando empezò a convivir con su esposa no era muy aceptado por la familia D. ella, por que ellos vivian en un cuarto en la casa D. su suegra; al sentir que necesitaba sugir para poder darles una mejor calidad D. vida para sus hijos D. 06 y 02 años respectivamente. él decidió salir D. la casa D. su suegra e independizarse y tambièn iniciar el negocio D. la panaderìa; pero el dinero no alcanzaba.
El inicio no fue fàcil, ya que con poco capital que tenìan, que era el ahorro D. sus sueldos no cubria los gastos iniciales D. este negocio.
Posteriormente se decidieron empezar con la ayuda D. su esposa y salieron D. la casa D. su suegra y alquilaron una casa en la cual ahora funciona su propia panaderia y bodega. Luis Alberto siente el apoyo D. su esposa ya que èl prepara los panes, y ella sale a vender por las tardes; es así que actualmente cuenta con una pequeña bodeguita en su panaderia; por ello necesitan màs capital D. trabajo para poder abastecer su bodeguita.
Uso del crédito: Comprar mercaderìa para la bodega que funciona en la panaderia.
** la foto pequeña corresponD. al Sr. Jose Antonio S. R., quien no esta en la foto principal **
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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