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Elsa Carmen

Update on Elsa Carmen

Elsa Carmen is a member of the “Unión II” communal bank. She’s 52-years-old, widowed and the mother of two children. She’s been a member of FINCA Perú for 17 years and she sells blocks of ice and rents rooms in her house. She says that FINCA Perú taught her how to save, manage her business and how to be more responsible. She enjoys the training very much because she gets along very well with her fellow group members and she feels happy. She will use the loan she’s requesting to repaint the rooms she rents in her house.
View original language description ↓
Elsa Carmen es socia del Banco Comunal Unión II y tiene 56 años de edad, es viuda y madre de dos hijos. Es socia de Finca Perú hace 17 años y se dedica a la venta de bloques de hielo y alquila algunos cuartos en su casa. Ella dice que en FINCA Perú le enseñaron a ahorrar, administrar su negocio y a ser más responsable, también le gustan mucho las capacitaciones porque se lleva muy bien con sus demás compañeras y se siente feliz. El préstamo que solicita lo invertirá en cambiar de pintura los cuartos que alquila en su casa.

Previous Loan Details

Elsa is a member of the "Union II" Communal Bank, and has been associated with Fina for some 16 years. She owns a 4-story house and rents out rooms. Elsa was able to construct her house with the help of loans she has received. She also sells beauty products. Elsa is enchanted with Finca's tra... More from Elsa Carmen's previous loan »

Additional Information

About FINCA Peru

This 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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Peru

  • $12,000
    Average annual income
  • 120
    View loans »
    Peru Loans Fundraising
  • $60,164,250
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Elsa Carmen to repaint the rooms she rents.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 3, 2012
Sep 19, 2012
Currency Exchange Loss:
Apr 9, 2013