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Maria Josefa

Update on Maria Josefa

Maria is a 66 year old woman. She lives in her own home with her partner and she has three children under her care. She mentions that the quality of life in the community is at the subsistence level. Most of the inhabitants are independent workers dedicated to trade and breeding small animals. Some of them also work in agriculture. Maria lives in the village of Esperanza, district of Tambogrande, department of Piura. The village has electricity services and water is consumed by means of an artesian well. All of the families here live under these conditions.

Maria is in the business of breeding and selling sheep and poultry. The breeding of these animals takes place in corals outside of her home. It is worth noting that Maria’s six years of experience in this business has allowed her to keep her already existing customers. She sells her animals to wholesalers in the area. In addition, she owns 1.0 hectares of farm land where she has planted lemon trees. This provides additional income and her husband helps her with this activity.

Currently, Maria is proposing to expand the inventory in her animal breeding/selling business because it is a very profitable business in the area. For these reasons, she is requesting a new loan from Edpyme Alternativa in the amount of S/ 1000 nuevos soles which will be designated for the purchase of fertilizers and to clean her crops. In time, this will allow her to continue improving her family’s standard of living.
View original language description ↓
María es una mujer que tiene 66 años de edad, de estado civil conviviente, con tres hijos a su cargo, vive en casa propia con su cónyuge. Se menciona que La calidad de vida en la comunidad es de subsistencia, la mayoría de moradores son trabajadores independientes que se dedican al comercio y crianza de animales menores y algunos de ellos adicionalmente dedicados a la agricultura. María vive en el caserío Nueva Esperanza, distrito de Tambogrande, departamento de Piura, así mismo cuentan con el servicio de energía eléctrica y el consumo de agua lo hacen a a través de una noria artezanal; Así mismo todas las familias que radican ahí viven bajo estas condiciones.
La actividad comercial a la que se dedica Mercedes es la crianza/venta de ovinos y aves de corral, la crianza de estos animales la realiza en corrales externos a su domicilio; cabe destacar que en esta actividad María cuenta con 6 años de experiencia, lo que le ha permitido mantener su clientela ya establecida en este negocio; ella vende sus animales a los comerciantes mayoristas de la zona; Así mismo su posee 1.0 ha de terreno agrícola donde tiene instalado limón donde le permite tener otros ingresos, su cónyuge también le apoyan en esta actividad.
Actualmente María se ha propuesto ampliar su inventario en lo referente a su crianza y venta de animales, esto debido a que es una actividad muy rentable en la zona; es por estas circunstancias que esta solicitando un nuevo préstamo a Edpyme Alternativa por un monto de S/ 1000 nuevos soles el cual estará destinado a la compra de fertilizantes y realizar labores de limpieza en su cultivo, lo cual en el tiempo le va permitir ir mejorando su nivel de vida de su familia.

Previous Loan Details

Maria Josefa is 65, married, and has 3 children. She lives in her own home, which is located in the hamlet of Nueva Esperanza, in the TambogranD. district. Her community is a rural zone of this district, and for this reason she does not have basic services. Maria Josefa sells sheep, and also r... More from Maria Josefa's previous loan »

Additional Information

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Peru

  • $6,715
    Average annual income
  • 112
    View loans »
    Peru Loans Fundraising
  • $55,250,775
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Maria Josefa to purchase fertilizers and clean her crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 25, 2012
Listed
May 16, 2012
Currency Exchange Loss:
Possible
Ended:
Jun 1, 2013