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Margarita
Margarita is 36, and hard-working woman. She lives with her husband José and their two children: Claudio and Mayela, whom they look after in the home that they bought eight years ago.

A little while ago, she closed her call center, where she offered telephone call service. Because of a lack of working capital, she had to close. In time, she managed to save a considerable sum of money thanks to her husband who works as a mechanic at a car company.

With this, they bought two vehicles which they rent out for taxi service. Each day they get 30 nuevos soles for this. This business helps her a great deal with household expenses, especially because not a lot of maintenance is needed, as her husband keeps the vehicles in perfect condition, changing the oil and constantly checking them. “Thanks to his good maintenance work, they can operate problem-free, providing public transportation," she says.

Now she hopes to save the necessary money to reopen her first business, where she is sure she will have a great deal of success. She belongs to the IDME communal bank, and this is her 27th loan with MFP. In all these years she has been able to improve her business, as has she used the money well and very wisely.

Moreover, she again promises to make her installment payments. In addition, she is happy to be part of her group, because the members are supportive: "Like a family", she says.

Margarita will use the money to buy containers of oil for maintaining the vehicles.
View original language description ↓
Margarita, de 36 años, es una mujer trabajadora. Vive en compañía de su esposo José y sus 2 hijos: Claudio y Mayela, a los que cuidan en la casa que compró, hace 8 años. Hace poco cerró su locutorio, donde brindaba el servicio de llamadas telefónicas. Por motivo de falta de capital de trabajo, tuvo que cerrar. Con el tiempo logró ahorrar una suma considerable de dinero gracias a su esposo, que trabaja en una empresa de autos como mecánico. Con ello compraron dos autos, que alquilan para el trasporte público; diario le pagan 30 nuevos soles por el servicio. Este negocio le ayuda mucho en los gastos del hogar, sobre todo porque no necesita mucho mantenimiento, pues su esposo mantiene en perfecta condición, cambiando el aceite y revisando constantemente el auto. “Gracias a su buen mantenimiento pueden trabajar sin problemas en el trasporte público”, comenta. Ahora espera juntar el dinero necesario para volver a abrir su primer negocio, donde está segura tendrá mucho éxito. Ella pertenece al banco comunal “IDME” y este el crédito número 27 con MFP, en todo estos años, pudo mejorar su negocio, pues aprovechó el dinero con mucha inteligencia. Por otro lado promete una vez más cumplir con el pago de sus cuotas. Además le agrada ser parte de su asociación, donde los integrantes son solidarios, “como una familia”, afirma.
Margarita; invertirá el dinero en la compra de baldes de aceite para el mantenimiento de los autos.

About Peru

  • $12,000
    Average annual income
  • 68
    View loans »
    Peru Loans Fundraising
  • $57,341,375
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Margarita to buy containers of oil for maintaining the vehicle.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 20, 2012
Listed
Dec 5, 2012
Currency Exchange Loss:
Possible
Ended:
Apr 17, 2013