Eutemia, 57, has a spouse and five children. Two of them are still in school and dependent on her. Throughout her life, Eutemia has been engaged in a variety of commercial activities. Because of this, in order to continue to improve herself, she decided to study pastry making. With the skills she obtained she decided to start her own business selling desserts. She currently makes cakes, turnovers, tarts and other delicacies that she then sells to schools and stores. Thanks to her hard work she was able to buy a motorcycle that one of her sons works. She tells us that she also knits sweaters, shawls, etc. to generate a little extra income for her home.
One of Eutemia’s plans for the future is to set up a bakery at home where she can sell all sorts of desserts. She plans to use the requested loan to invest in her pastry business buying flour, sugar, eggs and milk, among other ingredients because she has orders to fill.
Eutemia is a member of the “Virgen D. Guadalupe” communal bank which has 10 hardworking, responsible members who have had no repayment problems. They commit to continue to work well with the Prosperidad Program.
Eutemia tiene 57 años D. edad es conviviente y tiene 05 hijos, los cuales sigue apoyando 02 D. ellos ya que están en etapa escolar, Eutemia en el transcurso D. su vida se ha dedicado a distintas actividades comerciales, es por ello que con el fin D. seguir superándose decidió estudiar repostería, con los conocimientos que adquirió deciD. iniciar su propio negocio D. ventas D. postres actualmente ella prepara kekes, empanadas, tortas en otras delicias, donD. luego las ofrece en colegio y tiendas, gracias a su arduo trabajo a logrado comprarse una moto la cual lo trabaja uno D. sus hijos, también nos manifiesta que realiza tejidos D. chompas, chalinas, etc. donD. genera un ingreso mas para su hogar. Uno D. sus planes D. Eutemia para el futuro es D. instalar una panadería en su domicilio donD. pueda ofrecer todo tipos D. postres. Con el crédito que solicito piensa invertir en su negocio D. repostería comprando harina, azúcar, huevo, leche, entre otros insumos, ya que tiene pedidos que entregar. Eutemia es integrante D. la Alcancía Comunal “Virgen D. Guadalupe” grupo que está conformado por 10 personas trabajadores y responsables ya que no han tenido problemas con su pago, ellos se comprometen a seguir trabajando bien con el Programa- Prosperidad.
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.