Marlene is a member of “Yahve Yire” Community Bank, made up of seven responsible people and where she holds the office of Secretary. Marlene tells us that she became a member of the group through an acquaintance who commented on the group. Marlene is mother to two children who depend on her and her husband. She works as a technical nurse in a health center, having already eleven years experience working in this role, and she also has a hot dog cart where she works three times a week where she can earn more income for her family. Thanks to her work and effort, Marlene was able to buy some land and build. Marlene's wish is to have a food business in her house where she can offer a variety of dishes. The loan obtained by Marlene will be invested in the necessities for her hot dog cart business such as oil, disposables, bread, sausages, etc. The “Yahve Yire” Community Bank has been participating in this prosperity program for four months and they are thankful and dedicated. Gustavo was not present at the meeting because he traveled to cover a town in the interior of Peru.
Marlene es integrante de la Alcancía Comunal “Yahve Yire” donde lo conforman 07 personas responsables y donde ella ejerce el cargo de secretaria. Marlene nos cuenta que llego a formar parte del grupo por intermedio de una conocida que le comento sobre él grupo. La señora Marlene es madre de 2 niños que depende de ella y de su conyugue, ella trabaja como enfermera técnica en un centro de salud, teniendo ya 11 años laborando en ese puesto, y que también cuenta con un carrito sanguchero en la cual trabaja 3 veces a la semana en donde tiene un ingresos más para su familia, gracias a su trabajo y esfuerzo Marlene pudo comprarse un terreno y construirlo. El deseo de Marlene es de tener un negocio de comida en su casa donde pueda ofrecer sus variedades de platos. El crédito obtenido Marlene lo invertirá para los insumos de su negocio del carrito sanguchero como aceite, descartables, panes, embutidos, etc. La Alcancía Comunal “Yahve Yire” tiene 4 meses participando en el programa prosperidad y están agradecidos y comprometidos.Gustavo no estuvo presente en la reunion porque viajo a sufragar a un pueblo del interior del Perú.
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.