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Epifania's Group
In this Group: Epifania, Aurea, Delfina
Aurea, Epifanis, and Delfina have been part of the community bank “Virgen Maria” for two years or less.
In the bank they have learned how to invest money, to demand respect from people, how to care for their children, and how to save.


Aurea is 27 and has three children.
She has had a grocery store in the town of Quicapata for 18 months. At first she sold things door to door but now she has been able to put a roof on her house and sell her products from there. She also used to sell cattle with her husband, but gave up that business to spend more time with her children.


Epifania is 41 and has six children. She sells meat in the city of San Francisco, which is located in the nearby jungle region. She travels to different markets to buy animals and later butchers them. She sells her meat at markets and different restaurants. She also buys "toccra", a product made from banana leaves and chewed like tobacco, which she sells in Lima.


Delfina is 55 and has 2 children. She sells clothing imported from the cities of Lima and Tacna. She sells her products at different markets around Ayacucho.


Aurea, Epifania, and Delfina need loans of 1000, 1200, and 1000 soles respectively (3 soles = $1), which they will invest in buying rice, squash, carrots, onion, sheep, pork, roosters, and a showcase to display products for sale.


They plan to use their savings to: buy more cattle; build a house; educate their children; and to continue developing their businesses.
Aurea, Epifania, and Delfina dream of opening a grocery store in the jungle; that their children will be professionals; and that they will someday be able to travel to the town where they were born.

Additional Information

About FINCA Peru

This 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.

About Peru

  • $12,000
    Average annual income
  • 101
    View loans »
    Peru Loans Fundraising
  • $58,002,425
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Epifania's Group's $1,100 loan helped a member invest in and expand their various businesses.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Disbursed:
Jan 31, 2008
Listed
Jan 17, 2008
Currency Exchange Loss:
Covered
Ended:
Jun 1, 2008