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Vilma
Vilma is 36 years old and married. She lives with her husband and their two children in her own house. She devotes herself to farming. She does this work in her native land; a beautiful, rural farming village. She has been there almost all of her life because her parents raised her there. They taught her how to cultivate the land.

She now has a strong family, which is why she farms. It is an important source of income for her household. She works with her husband and her children in each season in order to grow potatoes, corn, wheat, barley, beans, and other products in her zone. Harvest time is the busiest, and they generally need more help. That is when they hire field workers to harvest the crops. In both seasons she always needs cash on hand to buy seeds, to rent a yoke of oxen, and for the other needed tools.

That is why she always requests a loan. The loans have always helped with her financial growth. That is the reason that she later wishes to acquire more farm land and to be a wholesaler of her harvested products.

This time she will use the loan to buy sacks of fertilizer, which is indispensable in preparing the land. This is the eighth loan that she has requested from MFP. She has extensive experience with loans with her communal bank, and she remembers them gratefully. However, on this occasion she has decided to request an individual loan. She will use the money to buy sacks of fertilizer, which will cover part of the cost. She will use her own money for what the loan does not cover. The loan and her own money will supply enough for all of her land.
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Vilma tiene 36 años, es casada vive en compañía de su esposo y sus 2 hijos en su casa propia. Ella se dedica a las actividades agrícolas, trabajo que lo realiza en su tierra natal, que es un pueblo rural lleno de belleza y netamente agricultora, casi toda su vida estuvo ahí, ya que sus padres la criaron y le enseñaron a cultivar la tierra. Actualmente tiene una familia consolidada, por ello y con razón se dedica a la agricultura, considera como una fuente de ingresos importante para su hogar y junto a su esposo y sus hijos trabajan en cada temporada para sembrar papa, maíz, trigo, cebada habas entre otros productos mas de su zona. En la temporada de cosecha, es la época más agitada y por lo general necesita de ayuda y es ahí donde contrata peones para que se dediquen a recoger los cultivos. En ambas temporadas siempre necesita de dinero inmediato para comprar las semillas, arrendar una yunta y demás implementos necesarios, por lo que siempre acude a solicitar un crédito que siempre la han favorecido en el crecimiento económico. Es por esta razón que en adelante desea adquirir más terrenos de cultivo y ser una comerciante mayorista de los productos que cosecha, en esta ocasión el crédito le servirá para la compra de sacos de abono que es indispensable para la preparación de sus terrenos. Es el octavo crédito que solicita con MFP tiene amplia experiencia en créditos dentro de su banco comunal de la que tiene gratos recuerdos pero en esta oportunidad ha decidió solicitar un crédito individual. Con este dinero comprará varios sacos de abono cuyo presupuesto cubre una parte y la otra que falta viene de su propio capital que unirá para abastecer a toda la extensión de su terreno.

About Peru

  • $6,715
    Average annual income
  • 32
    View loans »
    Peru Loans Fundraising
  • $54,501,725
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD