Deysi is a single mother of a small child. Her work is paramount to her because, being alone, she has to support her child and cover all expenses. This means that, despite being just 19 years old, she has acquired many responsibilities like having to care for her siblings due to her parents’ separation. Her father is a clothes maker and left her the workshop so that she can work it making all kinds of women’s clothes. She also does silk screening on polo shirts. All the merchandise she produces is sent to Chiclayo where her father sells it. During these months sales are good because the school year is starting and orders for uniforms and sweat shirts increase which is precisely what she will use the loan for: to boy fabric to manufacture sweatshirts. She is a member of the “TRABAJANDO EN ARMONIA” (Working in Harmony) group where she has the position of Secretary.
She wants to accomplish lots of projects with the business she runs but first she wants to finish her Design and Silk Screening courses to put into practice what she’s learned thus making her business into a large firm.
*Deysi is the first one in the photo; she’s carrying an orange notebook. The woman carrying a baby is a guest.
Deysi es madre soltera tiene 1 hijo pequeño su trabajo es primordial para ella por que siendo sola, tiene que mantener a su hijo y correr con todos los gastos que ello implica a pesar de tener 19 años a adquirido muchas responsabilidades como estar cargo de sus hermanos esto debido a la separación de sus padres, su papa que es confeccionista le dejo el taller para que ella lo trabaje ahí confecciona toda clase de prendas femeninas también hace estampados de polos, toda la mercadería que producen la envía a Chiclayo donde su papa las comercializa, en estos meses las ventas son buenas por ser época escolar aumentan los pedidos de uniformes y buzos justamente para eso utilizara su préstamo, para comprar telas para la confeccion de buzos. Ella es parte del grupo “TRABAJANDO EN ARMONIA” donde tiene el cargo de secretaria, con el negocio que maneja quiere lograr muchos proyectos primero quiere terminar sus estudios de diseño y estampado para poner en practica todo lo aprendido y lograr que su negocio llegue a ser una empresa grande.
*Deysi es la primera de la foto esta con un cuaderno color naranja,la Sra. que aparece cargando su hijito es una invitada.
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.