Carmela has a really hard job. She sells clothes from market to market. This means that she has to walk a lot and put up with the inclemency of the weather. She has been working in this way for nearly two years. Her greatest driving force is her four children for whom she works. She started off selling for other people but they paid her very little so one day she decided to start working for herself since she had experience. This helped her a lot. Currently, her sales are good but she has to walk a lot in order to sell her products. What she would most like is to have a stable place where she can set herself up and sell her clothes. Another type of business that she would also like to own is a fruit stall. She hopes to achieve both of these goals. By saving up and working hard, she knows that she will manage this.
Carmela will use her loan to buy winter clothes. Her sales increase during this season and it will be very helpful. She is a member of the "Unidas para Alcanzar el Éxito" (United for Success) group.
* Carmela is the second person from the right (standing). She is wearing a light blue top [sic].
La Sra. Carmela tiene un trabajo muy sacrificado ella venD. ropa D. mercado en mercado para esto tiene que caminar mucho y soportar las inclemencias del clima ya tiene trabajando así cerca D. 02 años, su mayor impulso son sus 04 hijos por quienes trabaja ella empezó vendiendo para otras personas pero le pagaban era muy poco fue así que un buen dia decidió hacerlo por su propia cuenta ya tenia experiencia y eso la ayudo mucho en la actualidad sus ventas son buenas pero tiene que caminar mucho para ofrecer sus productos, lo que mas desea es tener un lugar estable donD. instalarse y vender sus prendas, otro tipo D. negocio que también le gustaría tener es un puesto D. venta D. frutas espera concretar ambas cosas con ahorro y mucho trabajo sabe que lo lograra, con su préstamo comprara prendas D. vestir para invierno por la temporada las ventas aumentan y le ira muy bien, ella forma parte del grupo “UNIDAS PARA ALCANZAR EL ÉXITO”.
* La Sra. Carmela es la segunda D. la derecha (paradas) viste polo celeste.
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.