Teresa is 57, and a widow. She has six children, so she works hard. She sells fast food. She began selling anticuchos (beef heart marinated, skewered, and seared over the grill), at the door of her house, after a friend sold her a food cart. In this way, her business gradually grew, allowing her to offer her customers variety, such as salchipapas (fried sausage and potato), fried chicken, anticuchos and hamburgers.
Her diners are mostly workers in the area, especially fare collectors and drivers that work for a bus company. For Teresa, her work is essential, because it is how she supports her household. That is why she wants to keep moving forward.
Her greatest wish is to expand her business. To do that, she wants to use part of her house where she can have a suitable area with chairs and tables, so that she can serve conveniently.
She will use her current loan to buy the ingredients and supplies she uses, such as cooking oil, spices, and especially charcoal bought at wholesale. Teresa is currently president of the “Futuro para el Bien" group, who are mostly neighbors from the same place.
Teresa is the fourth person from the right, wearing a blue vest.
La Sra. Teresa es viuda tiene 57 años y 06 hijos, motivo por el cual trabaja mucho. Ella se dedica a la venta de comidas al paso, empezó vendiendo anticuchos en la puerta de su casa, tiempo después una amiga le vendió un carrito sanguchero así su negocio fue creciendo permitiéndole ofrecer variedad a sus clientes como salchipapas, pollo broster, anticuchos y hamburguesas. Sus comensales son en su mayoría trabajadores de la zona sobretodo cobradores y choferes de una línea de transportes, para la Sra. Teresa Su trabajo es primordial porque es el sustento de su hogar, por eso quiere seguir progresando su mayor deseo es ampliar su negocio para eso quiere utilizar una parte de su casa donde pueda tener un ambiente adecuado con sillas y mesas para atender con comodidad, su actual préstamo lo usara para comprar los insumos que utiliza como aceite, especias y sobretodo carbón al por mayor. En la actualidad la Sra. Teresa es presidenta del grupo “FUTURO PARA EL BIEN” la mayoría vecinas del mismo lugar.
La Sra.Teresa es la 5ta de la derecha viste chaleco azul
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.