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Julio Mercedes
Julio is 36 years old, married, and has three children in school. He and his family live in their own home in Monsefú, an area known for its tourist and religious festivals. This district is located twenty minutes away from the city of Chiclayo. Julio’s community receives basic services such as electricity, water, and sewage drainage.


For the past three years, Julio and his wife have managed a small store in their home. There they offer their neighbors and customers different everyday consumer products ranging from basic necessities to groceries. This business has been well-received and has an established customer base since it is one of the few stores in the area. Julio also provides masonry and plumbing services to earn additional income for his family.


He wants to invest this loan in the purchase of more merchandise, such as school supplies, to sell in his store. In addition, he plans to use part of the loan to pay for the school expenses of his young children. For this reason, he is requesting a loan from Edpyme Alternativa in the amount of 1500 PEN. Edpyme is offering this loan at a very low interest rate. This will allow Julio to work effortlessly without having to resort to informal lenders that charge high interest rates, which would impact his daily liquidity and slow the growth of his family business. Julio is a repeat client of Edpyme Alternativa and has good personal and work-related references. He is extremely grateful for the Kiva loans that have helped support the growth of his business and improve the condition of his family.

View original language description ↓
Julio tiene 36 años de edad, es casado y tiene 3 hijos de edad escolar. Viven en casa propia en Monsefú, una zona conocida por sus festividades turísticas y religiosas. La zona se encuentra ubicada a veinte minutos de la ciudad de Chiclayo. Su comunidad cuenta con servicios de luz, agua y un proyecto de alcantarillado.

Desde hace 3 años, cuenta con una pequeña bodega instalada en su domicilio la cual es atendida por su esposa. Allí ofrecen en venta a los vecinos y clientes de la zona diversos productos de consumo diario, entre productos de primera necesidad y abarrotes. El negocio cuenta con muy buena acogida y una clientela ya establecida, siendo una de las pocas bodegas en la zona. También Julio brinda servicios de albañilería y gasfitería, para conseguir ingresos adicionales al presupuesto familiar.

Desea invertir su crédito en la compra de más mercadería, como útiles escolares, para vender en su bodega. También espera utilizar una parte para solventar gastos escolares para sus hijos menores. Por ello, ha creído conveniente solicitar a Edpyme Alternativa un préstamo de 1500 nuevos soles. Edpyme le ofrece su crédito a una tasa de interés muy baja. Eso le permitirá al cliente trabajar tranquilo sin tener que recurrir a prestamistas informales que le cobran tasas altísimas, lo cual perjudica su liquidez diaria y retrasa su crecimiento tanto comercial como familiar. Julio es un cliente recurrente para Edpyme Alternativa y tiene buenas referencias personales y laborales. Les agradece mucho a los prestamistas de Kiva por su apoyo en el crecimiento de su negocio y la mejora de su condición familiar.

About Peru

  • $12,000
    Average annual income
  • 101
    View loans »
    Peru Loans Fundraising
  • $57,342,125
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Julio Mercedes to purchase more merchandise to sell in his store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 15, 2011
Listed
Mar 21, 2011
Currency Exchange Loss:
Possible
Ended:
Feb 25, 2012