Florisa is 28 years old and has 1 daughter. Florisa sells groceries and vegetables in the markets of Cangallo, Vilcas Huamán and Huamanguilla. She began her business 5 years ago with her first loan from the Communal Bank.
Rosario is 70 years old and has 7 children, and she sells cheese in the different stores and homes in Ayucucho.
Silvestra is 40 years old and has 4 children, she sells wool in a stand in the Las Américas market. Before Silvesetra had a grocery store in her home, but closed it due to lack of sales.
Florisa, Rosario and Silvestra need loans of 1600 soles, 400 soles, and 1200 soles, respectively, which will be invested in the purchase of sugar, rice, noodles, preserves, oil, milk, carrots, celery, onion, pumpkin, tomato, cheese, wool of different colors and brands. Their savings will be utilized to build a house, to increase capital for the business, and for unforeseen expenses.
Florisa, Rosario and Silvestra have dreams of having a car to transport their products, build their houses, have their own money and be great businesswomen.
Translated from Spanish by Cindy Kendall, Kiva Volunteer.
Florisa, Rosario y Silvestra pertenecen al Banco Comunal Azucenas desD. hace 5, 3 y 10 años respectivamente. En su Banco Comunal aprendieron a ser responsables, puntuales, solidarias y a ahorrar.
Florisa tiene 28 años y 1 hija, Florisa venD. abarrotes y verduras en las ferias D. Cangallo, Vilcas Huamán y Huamanguilla. Su negocio se inició hace 5 años con su primer préstamo que sacó D. su Banco Comunal.
Por otro lado Rosario tiene 70 años y 7 hijos, y venD. queso en las diferentes tiendas y casas D. Ayacucho.
Mientras que Silvestra tiene 40 años y 4 hijos y venD. lanas en un puesto del mercado Las Américas. Antes Silvestra tenía una tienda D. abarrotes en su casa, pero lo cerró porque no tenía venta.
Florisa, Rosario y Silvestra necesitan préstamos D. 1600 soles, 400 soles y 1200 soles, respectiamente que serán invertidos en la compra D. azúcar, arroz, fideo, conservas, aceite, leche, zanahoria, apio, cebolla, zapallo, tomate, queso, lanas D. diferentes colores y marcas.
Sus ahorros los utilizarán para la construcción D. su casa, para incrementar el capital D. su negocio y para imprevistos.
Los sueños D. Florisa, Rosario y Silvestra son tener un carro para transportar sus productos, construir su casa, tener capital propio y ser grandes empresarias.
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.
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.
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