Erny is 25 and has two children ages 5 and 3. He has been selling vegetables in the Americas market for 9 months.
Elsa is 31 and a single mother with one daughter 7 months old. She studied cosmetology and has her own beauty salon in a rented location. She also sells candy and sodas from the same location.
Norma is 32 and married with 2 children. She is a native of the Rosapata community. She sells cheeses and cereals that she buys in her communities and sells to the markets in the city of Ayacucho.
The three women need a long of 600 soles, 1000 soles, and 600 soles. This money will be used to invest in the purchase of onion, tomatoes, lemons, refreshments, candies, ink, liquidsl, cheese, and cereals.
They hope to grow their businesses, buy land, build homes, and provide educations for their kids.
Translated from Spanish by James Lombardo, Kiva Volunteer
Erny, Elsa y Norma pertenecen al Banco Comunal El Sol hace 4 meses, 3 años, 8 meses respectivamente.
Erny es conviviente, tiene 25 años y 2 hijos de 5, 3 años, Erny vende verduras en el mercado Las Américas hace 9 meses.
Por otro lado, Elsa es madre soltera, tiene 31 años y 1 hija de 7 meses, Elsa estudio cosmetología y tiene un salón de belleza en un local alquilado. Además Elsa vende golosinas y gaseosas en el mismo local.
Mientras que, Norma es casada, tiene 32 años y 2 hijos, natural de la comunidad de Rosaspata, Norma vende quesos, cereales, que compra en su comunidad y lo vende en los mercados de la ciudad de Ayacucho.
Erny, Elsa y Norma necesitan préstamos de 600 soles, 1000 soles, 600 soles, dinero que será invertido en la compra de cebolla, tomate, limón, gaseosas, golosinas, tintes, líquidos, queso y cereales.
Los sueños de Erny, Elsa y Norma son que su negocio sea grande, comprar un terreno, construir su casa y que sus hijos estudien.
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.
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.
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