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Las Innovadoras Group
In this Group: Efrain Javier, Norma Soledad, Hugo Jaime , Lisbeth, Cristina, Flor Ines, Marcial, Gabriela, Maria Luz
Hello, good morning from the Peruvian people. Today I would like to introduce you to the “Las Inovadoras” group. They are a new group that has recently begun their first loan cycle, but they already know each other because they work in the same area. They are all independent workers who have a dream to improve their incomes and to also improve the quality of life in their homes.

One of the members of this group is Efraín, who is 25 years old. He has been working as a taxi driver for 3 years, an occupation that he learned from his father. His father also gave him the vehicle from which he now works.

Efraín uses the income he earns to help his parents and his siblings, who are studying in college.

Efraín dreams of becoming a professional. In order to do this, he is studying at an academy in his free time, and he is also saving some of his income.

The loan that Efraín is requesting is for doing maintenance on his car, because with the passage of time the car is suffering from some problems. Efraín is the second from the right, wearing a cream-colored jacket with a zipper. He is grateful for the trust that Kiva and Edaprospo are showing him.

* Above the rest of the group, there is a photo of Flor, with a brown coat and a red sweater and Lisbeth with a green shirt.
View original language description ↓

Hola, Buenos días! saludos de todos los peruanos. Hoy les presento al grupo de “Las Innovadoras”
Un grupo nuevo, que recién está comenzando su primer ciclo, pero ya se conocen por que trabajan en la misma localidad, todos son trabajadores independientes, que tiene el sueño de mejorara sus ingresos, y así mejorar también su forma de vida en sus hogares.
Uno de los socios de este grupo es Efraín, de 25 años de edad, que hace 3 años se dedica hacer el servicio de taxi, ocupación y que heredo de su padre, que también le dejó el vehículo con el que ahora trabaja.
Efraín, con los ingresos que obtiene ayuda económicamente a sus padres y sus hermanos, que están cursando estudios superiores.
Efraín sueña con ser profesional, para eso se está preparando en una academia en sus horas libres, y también ahorra un poco de sus ingresos.
El préstamo que solicita Efraín es para darle mantenimiento a su vehículo ya que con el pasar del tiempo, su carrito va sufriendo algunos desperfectos. Efraín es el segundo de la derecha viste con una chompa crema con cierre. El se encuentra agradecido por la confianza que le otroga KIVA y EDAPROSPO.
*En la parte superior media está Lisbeth con un polo verde,y en la parte superior derecha está flor con una casaca roja y chompa marrón.

Additional Information


EDAPROSPO seeks to use micro-credit to foster productive commercial activity for the sake of economic and social development within vulnerable urban and rural sectors traditionally neglected by commercial banks. By offering innovative products such as technical education loans and microfinance groups for young people, EDAPROSPO helps disadvantaged Peruvians lift themselves out of poverty.

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.

About Peru

  • $12,000
    Average annual income
  • 101
    View loans »
    Peru Loans Fundraising
  • $57,945,600
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Innovadoras Group's $2,450 loan helped a member to pay for maintenance work on his taxi.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 28, 2012
Aug 7, 2012
Currency Exchange Loss:
Nov 15, 2012