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Rosa
Rosa is 52, and a woman who has worked hard, seeking to get ahead. In addition she is warm and friendly. She is married to José, who is a business person, but who is currently not working because of an illness he suffers from. He is the father of her children, all of whom are now adults and independent. They live comfortably together in their son's house, along with their daughter-in-law, and a grandson whom they love dearly.

Rosa sells candy and soft drinks, and for this has a space set up in her son's house. She buys these products from the distributor, and sells them among her neighbors. She is well-known, because of the time she has been in that business. She got started little by little with a loan from MFP, buying in small quantities, and on seeing the reception this had, decided to continue, so far doing this on her own.

She considers her business quite profitable because of the earnings it provides, and she uses these to pay her expenses and to reinvest in working capital. Before starting her business, she had financial problems, as her elderly husband has health problems; and as his income is not regular, he needs financial support from his children. That is why she decided to start the business, in order to support their expenses.

She hopes to increase her business's stock of products, and see it grow, in order to have greater earnings. This will be her fifth loan with the MFP institution. She is thankful to know that she will continue to have a line of credit so that she can keep her business going. That is why she says that she will be responsible in paying her installments, as with her previous loans. In addition she says she is content with her communal bank as she considers it a close-knit and responsible group.

She will use the amount of 1,300 nuevos soles applied for to purchase merchandise for her store such as soft drinks and candy, in order to supply it, and have a varied stock to sell. She will seek more convenient prices through her cash and volume purchases, in order to have greater profit margins.
View original language description ↓
Rosa, de 52 años de edad, es una mujer que ha trabajado mucho buscar salir adelante, además es amable y cordial. Está casada con José quien es comerciante y pero actualmente no trabaja por una enfermedad que lo aqueja, siendo el padre de sus hijos y todos ya mayores e independientes. Juntos habitan cómodamente la casa de su hijo en compañía de su nuera y un nieto al que quieren mucho y dedican cariños. La actividad que realiza Rosa es la venta de golosinas y gaseosas para esto cuenta con un espacio acondicionado en la casa de su hijo. Estos productos los compran en la distribuidora y los vende entre sus vecinos, siendo muy conocida por el tiempo que lleva en ese negocio.
Se inicio de a poco con un préstamo de MFP, comprando en pocas cantidades y viendo la acogida que tenia se decidió continuar y hasta el momento lo realiza sola. Considera a su negocio bastante rentable por las ganancias que le deja que lo emplea en el pago de sus gastos y reinvertir su capital.
Antes de comenzar con su negocio, tenía problemas económicos pues su pareja de avanzada edad sufre de salud y sus ingresos no son constantes, necesitando el apoyo económicos de sus hijos, por eso se decidió en iniciar para apoyarse con sus gastos.
Espero de su negocio aumentar el stock de sus productos y verlo crecer para tener mayores ganancias. Este será el préstamo número 5 con la institución MFP. Esta agradecida de saber que seguirá contando con una línea de crédito para seguir avanzando con su negocio. Por eso, comenta será responsable con el pago de sus cuotas como en créditos anteriores. Además comenta estar a gusto con su banco comunal pues lo considera un grupo unido y responsable. Con el monto solicitado de 1300 nuevos soles, los invertirá en la compra de mercaderías para su negocio como bebidas gaseosas y golosina para surtirlo, así tener un stock variado para la venta, y buscará precios más cómodos por sus compras al contado y volumen, para tener mayores márgenes de ganancias.

About Peru

  • $6,715
    Average annual income
  • 67
    View loans »
    Peru Loans Fundraising
  • $53,988,475
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD