Carmen Rosa's Group
Carmen is 35 years old and married with 3 children. Carmen and her husband have a spice and grocery store, which is located on a street near the central market of Ayacucho.
Bertha is 42 years old and married with 5 children. She sells food and drinks in her village of Huascahura, which is located 15 minutes from Ayacucho. Bertha also sells sweets at various social gatherings. She also travels to fairs where she buys lamb meat which she later divides and sells to her customers.
Delfilia is 43 years old and married with 5 children. She is a street vendor of sweets in the main park in Ayacucho.
Carmen, Bertha and Delfilia need a loan of 1,200 soles (about $450), 800 soles (about $300) and 400 soles (about $150) respectively. They will use the funds to purchase cinnamon, ají chile, beer, soft drinks and sweets.
Carmen, Bertha and Delfilia’s dream is for their children to have professional careers. They also would like to have a business place of their own, expand their business and build a house.
Translated by Todd Anderson, Kiva volunteer
Carmen, Bertha y Delfilia pertenecen al Banco Comunal Sol Radiante hace 6 años, 4años, 8 meses respectivamente.
Carmen es casada, tiene 35 años y 3 hijos, Carmen junto a su esposo tienen una tienda de especerías y abarrotes, ubicada en una calle cercana al mercado central de la ciudad de Ayacucho.
Por otro lado Bertha es casada, tiene 42 años y 5 hijos, Bertha vende comida y bebidas en su pueblo de Huascahura que se encuentra a 15 minutos de la ciudad de Ayacucho. Además Bertha vende golosinas en las distintas fiestas sociales y también viaja a las ferias donde compra ganado ovino, luego de beneficiarlo la carne lo reparte a sus clientes.
Mientras que Delfilia es casada, tiene 43 años y 5 hijos, Delfilia vende golosinas de manera ambulatoria en el parque principal de la ciudad de Ayacucho.
Carmen, Bertha y Delfilia necesita un préstamo e 1200 soles, 800 soles, 400 soles respectivamente, dinero que será invertido en la compra de canela, ají, cerveza, gaseosas y golosinas.
Los sueños de Carmen, Bertha y Delfilia son que sus hijos sean profesionales, tener un local propio, mejorar sus negocios y construir su casa.
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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