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Valentia Y Esfuerzo Group
In this Group: Norma Margarita, Odalys Gloria, Maria Sebastiana, Marycruz, Liliana, Olga Mirta, Dorcas Ruth*
* not pictured
Norma has been selling all sorts of fast food for almost 30 years now. Her delicious corn tamales, ‘polladas’ [type of chicken stew] and also some cakes she makes are highly sought after by people who consume her products. Weekends are the days her sales are highest for her because she has more customers come through her business.

Norma has always enjoyed working. Often she worked in secret because her husband didn’t like the idea. Currently it’s with her work that she’s able to help him since he’s in poor health and she must cover household expenses. She’d like to open a restaurant soon to sell what she prepares and proviD. comfort for her customers. She has her daughter’s help for this.

She wants to use her loan to repair her refrigerator to start selling gelatin and ice-cream in the summer that’s approaching. On the other hand, she’s happy to be part of the “Valentía y Esfuerzo” group where she has the office of President. The group has seven members.

*Norma is the fifth one standing and is wearing a green vest.
View original language description ↓
Ya son cerca D. 30 años que la Sra. Norma venD. todo tipo D. comidas al paso, sus sabrosos tamales D. maíz, polladas y también algunos pasteles que prepara son muy requeridos por las personas que consumen sus productos, los fines D. semana son los días D. mas venta para ella, por que el transito por su negocio es mas fluido, a la Sra. norma siempre le gusto trabajar muchas veces lo hacia a escondidas por que a su esposo no le gustaba la idea, en la actualidad es con su trabajo que pueD. apoyarlo por que esta delicado D. salud y es ella quien cubre los gastos familiares, pronto quiere poner su propio restaurante para poder vender lo que ella prepara y poder brindarle a sus clientes comodidad, para eso cuenta con la ayuda D. su hija con su préstamo quiere arreglar su refrigeradora para empezar a preparar gelatinas y helados para este verano que se acerca, por otro lado esta feliz por ser parte del grupo “ VALENTIA Y ESFUERZO “ donD. tiene el cargo D. presidenta son 07 socias que lo conforman.
* La Sra. Norma es la 5ta D. las paradas viste chaleco color verD..

Additional Information


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.

About Peru

  • $12,000
    Average annual income
  • 99
    View loans »
    Peru Loans Fundraising
  • $57,945,600
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Valentia Y Esfuerzo Group's $1,675 loan helped a member to repair her refrigerator.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 3, 2011
Oct 20, 2011
Currency Exchange Loss:
May 15, 2012