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Teresa
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Terresa belongs to the communal bank Indo America, located at Jr TARAPACA,
Number 899, in the district of Calleria and in the department of Ucayali.
She is 41 years old and has two children. Her husband is also a merchant.
With the first loan that Teresa received from Manuel Ramos for 300 Soles
she invested in her business of selling cellular devices.


Presently she depends on the income from this business. Everyday, she
wakes up at 6 in the morning so that she can prepare breakfast for her two
kids and her husband. From there she goes to her business and works until
8:00 pm


With the loan of 1,400 Soles, which will be paid back in 6 months, she
will use the money to buy cell phones, chargers, cases, etc.


Teresa is very happy because with her hard-work and perseverance she is
achieving all of her goals. As a mother and a woman she is source of
pride for her family. She is very grateful for the support that Manuela
Ramos has given to her business.

Translated from Spanish by Gabe of San Roque High School, Kiva volunteer



La señora Teresa pertenece al Banco Comunal Indo América, ubicado en el Jr Tarapacá No 899, del Distrito de Calleria del Departamento de Ucayali. Tiene 41 años y es madre de 2 hijos, su esposo es comerciante. Teresa con el primer préstamo recibido de Manuela Ramos S/. 300 decidió invertirlo en un negocio de venta de celulares.


En la actualidad ella cuenta con un negocio de venta de celulares, se levanta a las 6 am para preparar el desayuno de sus hijos y de su esposo, de allí se dedica a la venta de sus celulares hasta las 8 pm.


Con este préstamo de S/. 1,400, el cual será pagado en 6 meses, comprará: celulares, cargadores, envolturas para celulares, etc.


Teresa esta muy contenta, ya que con decisión y perseverancia esta logrando objetivos muy importantes como madre y como mujer es un orgullo para su familia, ella esta muy agradecida con el apoyo que le da Manuela Ramos para su negocio.

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  • $6,715
    Average annual income
  • 102
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  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD