Enaida Q. is 44 years old and lives in Los Olivos district in Lima, Perú. She is separated from her children's father. They both share a business owing to the fact that he worked for 20 years in a factory making bread machines. When he gave up his job, they both decided to set up their own workshop and make machines themselves. The business belongs to both of them. Enaida does the administrative work, keeping everything in order. The business is going well in spite of some difficulties that they have had recently because of the rise in the price of flour and fuel. Few people dare take the risk of starting out in the bakery business right now. For this reason, they are now investing in buying second-hand machines which they will repair and renovate so that they can sell them cheaply to give their customers a chance. Enaida's biggest investment is having made progress in building her house.
Enaida has another business which is selling bedspreads, sheets and towels. She will invest her loan in this business. The summer season is good for this type of business and she has many customers for her products. Enaida is also secretary of the "SANTA ROSA DE LIMA" group which is made up of 10 hard-working and enterprising women.
* Enaida is the fourth woman from the right (standing up)
La Sra. Enaida Q. tiene 44 años vive en el distrito de los olivos Lima Perú ella es separada del padre de sus hijos, ambos comparten un negocio debido a que el trabajo durante 20 años en una fabrica de maquinas panificadoras, al renunciar ambos decidieron iniciar su propio taller y fabricar maquinas por su propia cuenta el negocio es de los dos la Sra. Enaida realiza las labores de administración manteniendo todo en orden, el negocio marcha bien a pesar de algunas dificultades que han tenido últimamente debido al alza de la harina,y el combustible pocos se arriesgan a emprender el negocio de panadería es por eso que ahora están invirtiendo en la compra de maquinas de segunda (usadas) a las que le brindan mantenimiento y las renuevan para venderlas a menor costo, para darle facilidades a sus clientes su mayor inversión es haber avanzado la construcción de su casa, Enaida también tiene un negocio adicional que es la venta de cubrecamas, sabanas y toallas, es para esto que invertirá su préstamo la época de verano es propicia para este tipo de negocio y ella tiene muchos clientes para colocar estos productos , por otro lado ella es secretaria del grupo “ SANTA ROSA DE LIMA “ son 10 socias trabajadoras y emprendedoras.
*La Sra, Enaida es la cuarta de la derecha la (paradas).
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.