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Melissa
Melissa, 32, is a hard-working and determined woman with much desire to get ahead in life. She is separated from the father of her two daughters: 13-year-old Melisa and 3-year-old Mishel. She lives with them, two sisters-in-law, and her mother-in-law in the house belonging to the parents of her former partner.

She makes a living selling groceries in general, which she buys weekly at the wholesale centers and later sells them while traveling through the streets of her town. She began this about five years ago with her own capital, buying in small amounts that grew as she saw the demand for her products. It began as an idea from her sister-in-law who was excited to enter the business. She considers it profitable enough for the earnings that it leaves her; she manages to sell all that she offers since she has become well-known in her town. Before beginning her business she had financial difficulty because the expenses grew with the arrival of her second child and she wanted to offer them a better quality of life and a better education, in addition to helping her mother-in-law with the household expenses. Therefore, seeing the good results that she is getting, she wishes to continue with her business and would like to use her earnings to buy her own home, where she wishes to open a small grocery store.

This is her second loan with the MFP institution. She is very happy knowing that she will have financial support since this way she will feel sure about moving forward with her business. Also, she feels at ease with her bank because she likes the support they offer to people with the desire to improve. With the requested amount of 1200 nuevos soles she will invest in purchasing clothing of various styles and sizes brought from the capital, while seeking to get affordable prices. She will also acquire groceries for her other business.
View original language description ↓
Melissa tiene 32 años, es una mujer trabajadora y decidida, con muchas ganas de salir adelante. Está separada del padre de sus dos hijas: Melisa de 13 años y Mishel de 3 años. Vive con ellas, dos cuñadas y su suegra, en la casa los padres de su ex pareja.
Se dedica a la venta de abarrotes en general, los que compra semanalmente en los centros de abastos y luego los vende de manera ambulatoria recorriendo las calles de su localidad. También vende ropa que trae desde la capital. La mayoría de estos productos los vende al crédito, notando así mayores ganancias. Se inició hace más de 5 años con un capital propio, comprando en pequeñas cantidades que fue aumentando viendo la demanda de sus productos. Comenzó por idea de su cuñada, quien la animó a entrar en el negocio. Considera que es bastante rentable por las ganancias que le deja, logrando acabar todo lo que vende, ya que se hizo muy conocida en su localidad. Antes de empezar con su negocio tuvo dificultades económicas, ya que los gastos aumentaron con la llegada de su segundo hijo y ella tiene el deseo de brindarles una mejor calidad de vida y una buena educación, además de apoyar a su suegra con los gastos de la casa. Por tanto, viendo los buenos resultados que está consiguiendo, desea continuar con su negocio y con sus ganancias comprar su propia casa, donde desea abrir una bodega de abarrotes.

Este es su préstamo número 2 con la institución MFP. Está muy contenta de saber que tendrá un apoyo financiero, ya que así se sentirá segura de avanzar con su negocio. Además se siente a gusto con su banco, pues le gusta el apoyo que brindan a las personas con deseos de superación.
Con el monto solicitado, de 1200 nuevos soles, invertirá en la compra de ropa de variados modelos y tallas que traerá desde la capital, buscando conseguir precios cómodos. También adquirirá abarrotes para su otro negocio.

About Peru

  • $6,715
    Average annual income
  • 113
    View loans »
    Peru Loans Fundraising
  • $56,814,000
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Melissa to buy groceries for traveling sales and clothing brought from the capital.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
May 12, 2012
Listed
Jun 4, 2012
Currency Exchange Loss:
Possible
Ended:
Dec 15, 2012