Update on Maria FerminaMaría Fermina, 40, is a married woman with two minor children. She has a house of her own and lives with her family in the Monteverde sector, a rural zone in Mórrope District. Her community has approximately 150 families.
Her activity is selling groceries at home and raising animals to sell; when they reach ideal size and weight she sells them in the local market. She does both mentioned activities at home and has more than three years’ experience in the line of work. She earns extra income working in agriculture.
Her store is of much benefit to her neighbors because the zone they live in is far from the main town and her store provides basic staples they need.
She’s worked with a Kiva loan previously and she’s quite grateful to the people who supported her on that occasion. She’s currently requesting a 2,300 new sol loan to buy more groceries like rice, sugar, oil and other basic staples to stock her store and also to buy nutritionally balanced animal feed.
La actividad a la que se dedica es la venta de abarrotes en su domicilio y a la crianza y comercialización de animales, los cuales una vez alcanzado su peso y talla ideal, los vende en el mercado local. Las dos actividades mencionadas las realiza en su domicilio, con más de 3 años de experiencia en el rubro. Cuenta con ingresos adicionales producto de labores en agricultura.
Su bodega es de mucha ayuda para sus vecinos ya que, debido a que la zona en la que residen se encuentra lejos del pueblo central, su negocio les provee de los artículos de primera necesidad que necesitan.
Ella ya ha trabajado anteriormente con un crédito brindado a través de Kiva, se encuentra bastante agradecida con las personas que le apoyaron en aquella oportunidad. Actualmente se encuentra solicitando un crédito de 2300 nuevos soles que piensa invertir en la compra de más abarrotes como arroz, azúcar, aceite y otros artículos de primera necesidad, para implementar su bodega, así como en la compra de alimentos balanceados para sus animales.
Previous Loan DetailsMaría is a 40 year old woman who is married with two minor children. She and her family live in their own home in the Monteverde sector in a rural area of the district of Móorope. Her community is made up of approximately 150 families. María sells groceries in her house and also raises animals… More from Maria Fermina's previous loan »
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.
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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Oct 6, 2012
- Nov 8, 2012
- Currency Exchange Loss:
- Jul 19, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.