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Maria Erma
Maria Erma belongs to the Esmeralda Communal Bank in the Tarapoto District of the San Martin Province within the Department of San Martin. She is 39 years old, has a live-in partner, and is the mother of two children who are students and are still her dependents.


She has worked for many years providing urban transportation services in her motorcar. Her husband is responsible for going to different places in the city. She has 16 motorcars, each of which has a driver who works daily. Maria Erma earns 350 Peruvian Nuevos Soles (PEN) each day.


With this loan of 1,000 Peruvian Nuevos Soles (PEN), she will purchase spare parts and oils such as lubricants, steering wheel hubs, and spark plugs in order to provide better service and tend to the customers much better. Today, she is an independent woman and it is her and her husband who make the decisions and manage their business.


Maria Erma tells us that belonging to a women’s group has helped her to better know her rights and together, they make themselves respected. She is grateful for Movimiento Manuela Ramos for helping her to begin in the area of business.

View original language description ↓
La señora Maria Erma, pertenece al Banco Comunal “Esmeralda”, Distrito de Tarapoto, Provincia San Martin, Departamento de San Martín. Es Conviviente, tiene 39 años y es madre de 02 hijos, que aun dependen de ella y están estudiando.

Lleva varios años, dedicándose a este tipo de actividad, brindando servicios de movilidad urbana en su motokar. Para trabajarlo, su esposo se encarga de trasladarse por diferentes lugares de la Ciudad, cuenta con 16 motokares, las cuales cada motokar tiene un personal, que lo hace trabajar a diario. Maria Erma, recibe un ingreso de 350.00 nuevos soles diariamente.

Con este préstamo de S/. 1,000.00, comprará repuestos y aceites como: lubricantes, bocamasas, bujías; para así brindar un mejor servicio y atender mucho mejor al cliente. Hoy en día es una mujer independiente, y es ella y su esposo quienes toman las decisiones y administran su negocio.

Maria Erma, nos cuenta: Que el pertenecer a un grupo de mujeres le ha ayudado a conocer mejor sus derechos y juntas hacer que estas sean respetadas. Y agradece al Movimiento Manuela Ramos, por ayudarla a iniciarse en el campo empresarial.

About Peru

  • $6,715
    Average annual income
  • 90
    View loans »
    Peru Loans Fundraising
  • $56,011,725
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD