Esther, 30, lives with a partner, and has 2 daughters. She is now a member of the communal bank “El Roció del Amanecer." This group has 12 members who have a variety of businesses. Esther works selling plastic products. Her business is located in her home, and she also sells in the province. In addition, she works as a waitress in a club during the weekends. Esther started this business with the idea of providing her family with a better quality of life. Thanks to her effort and dedication, she has managed to improve her income so that her daughters can go to a private school. She has also been able to buy a computer and invest in some finishing touches for her home. Esther is requesting a new loan to buy plastic products to sell in the province, because she has some regular customers. Esther will achieve her goals with a lot of hard work and effort, and the loans from Edaprospo will help her to do this.
Note: Laura is the one who appears at the top of the photo with the pink shirt and jacket.
La Sra. Esther es conviviente, tiene 30 años de edad y tiene 2 hijas, actualmente es socia en la alcancía comunal “El Roció del Amanecer” grupo conformado por 12 socios que se dedican a diversas actividades de comercio. Esther se dedica a la venta de plásticos este negocio está situado en su casa tambien vende a provincia, a su vez trabaja de mesera en un club los fines de semana . Esther empezó este negocio con la idea de brindarle a su familia una mejor calidad de vida, gracias a su esfuerzo y dedicación a logrado mejores ingresos económicos sus hijas van a la escuela privada , se ha comprado una computadora y a invertido en acabados para su casa, Esther a solicitado un nuevo préstamo para comprar plasticos y venderlos a provincia ya que cuenta con clientes fidelizados. Esther cumplirá sus metas con mucho trabajo y esfuerzo y que los préstamos de Edaprospo le ayudaran.
La señora Laura es aquella que aparece en la parte superior de la foto con polo rosado y casaca.
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.