Esperanza is 49 years old. She is married and has 5 children of which 1 is a dependent even though he attends school. Esperanza is a hardworking woman who in order to get ahead works at several business activities such as selling cloths and food. Thanks to her hard work she has improved her house and brings home an income. By wisely using her income, she was able to save and is starting a new business, setting up a grocery store in her house, as in this way she will obtain a better income. In order to continue improving she is asking for a loan to invest in her new business with the purchase of rice, sugar, noodles, milk and sweets. Esperanza's goal is to grow her business and earn her customers' loyalty. Esperanza is a member of the communal bank “Unidos al Futuro” which consists of 7 enthusiastic and responsible members. They are very grateful for the program - Prosperidad. Esperanza is the one wearing the pink blouse. Señora Odilia couldn't attend because of work.
Esperanza tiene 49 años D. edad es casada y tiene 5 hijos D. los cuales 01 D. ellos dependiente aun ya que está en etapa escolar. Esperanza es una mujer trabajadora que para salir adelante se ha dedicado a diversas actividades comerciales, como venta D. ropa y D. comidas, gracias a su arduo trabajo ha mejorado su vivienda y aportar en su hogar. Con el buen uso que le dio a sus ingresos, pudo ahorrar y está iniciando un nuevo negocio, instalando en su vivienda una tienda D. abarrotes, pues D. esta manera obtendrá mayores ingresos, es por ello que con el fin D. seguir mejorando solicito el crédito para invertir en su nuevo negocio comprando arroz, azúcar, fideos, leche y golosinas. Su meta D. Esperanza es D. crecer en su negocio y llegar a fidelizar a sus clientes. Esperanza es integrante D. la Alcancía Comunal “Unidos al Futuro” grupo que está conformado por 07 socios entusiastas y responsable, ellos están muy agradecidos con el Programa – Prosperidad. Esperanza es la viste una blusa rosada. La señora Odilia no pudo estar presente por motivo D. trabajo.
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.