Ana Cecilia is 25 years old. She is very young and hard working. She and her husband have a wood business that they both run. Ana Cecilia also sells clothes and shoes. It was her husband's aunt who taught her everything she needed to know about selling these products as she also used to sell them in the provinces and it made her good income. Ana Cecilia was able to get some money together and buy her own merchandise. Her first customers were other mothers who belonged to the same 'Glass of Milk' [feeding program] as she did and friends from school. Her cheerful character was a great help in making friendships and thereby gaining more customers. Ana Cecilia is currently president of the 'Jovenes Emprendedores' (Young Entrepreneurs) group. All the members of the group are friends and neighbors from the same place. Ana Cecilia has a project that she hopes to achieve very soon which is to buy a stall in a market so that she can set up her clothes business there.
Ana Cecilia will use this loan from EDAPROSPO to buy clothes and shoes for her business. The most important thing that Ana Cecilia's business has enabled her to do is pay her son's school fees and she will feel happy when he becomes a professional.
* Ana Cecilia is the third lady from the left in the photo. She is standing up and wearing a blue checkered blouse.
Ana Cecilia tiene 25 años es muy joven y trabajadora junto a su esposo tienen un negocio de madera que ambos sacan adelante, por su parte ella vende ropa y zapatos, fue la tía de su esposo quien le enseño todo lo referente a las ventas, debido a que ella lo comercializaba en provincia y le dejaba buenos dividendos, fue así que pudo juntar algo de dinero y compro su propia mercadería, sus primeras clientas fueron las madres del vaso de leche al cual pertenecía y sus amigas del gimnasio, Su carácter jovial fue una gran ayuda para ganar amistades y así obtener más clientes, actualmente ella es la presidenta del grupo “ JOVENES EMPRENDEDORES” todas las socias son amigas y vecinas del mismo lugar, Ana Cecilia tiene un proyecto que espera cumplir muy pronto compararse un puesto en algún mercado para instalar allí su negocio de ropa y bazar, con este préstamo que le otorga EDAPROSPO comprara ropa y zapatos para su negocio, lo más importante que este negocio le ha permitido es pagar la pensión del colegio de su hijo y se sentirá feliz el día que su hijo sea un profesional.
* Ana Cecilia es la 3ra parada (derecha) viste blusa a cuadros
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.