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Delicia
Delicia, 38 years old, is a cheerful and friendly woman, in addition to being hard-working and determined. She lives together with Jorge, who is a merchant. Together they live comfortably in their own house, which they bought with great effort, and in the company of a niece whom they take care of and support with the expenses of her studies. The work that Delicia does is selling clothing for men, women and children, of various styles and in fashion. These products are sent to her by a friend from the capital. She also dedicates herself to selling general groceries; she has a store which she set up in her home, where she provides very friendly service to her customers, and also takes advantage of the opportunity to offer them the clothing that she has available for sale. She has dedicated herself to both businesses for more than 3 years; she started out by using her own capital and buying in small quantities. Seeing the good results, she decided to continue. Now, she occasionally needs the support of an assistant, whom she pays for each day worked.

She considers both businesses quite profitable thanks to the earnings they provide her. She started in both businesses due to the need to have an occupation and help her partner with the household expenses, and in order to feel like a productive and independent person. Seeing the good results, she plans to continue and to increase her stocks of merchandise, thus seeing her business grow. Accordingly, this will be loan number 8 for her with the MFP institution. She is happy to know that she can have access to a line of credit to continue with her business, and accordingly she is committed to being punctual in making her loan payments, as with previous loans, in order to have a good credit record and continue having access to this support. At the same time, she comments that she likes the work of her communal bank, since she considers it a united group with a sense of solidarity.

With the amount requested, 1000 new soles, she will invest in buying merchandise for her business, such as a variety of clothing in diverse styles, as well as groceries to stock her store. She will seek to buy all of this merchandise at lower prices due to the volume purchased, and thus she will have larger profit margins.
View original language description ↓
Delicia, de 38 años de edad, es una mujer alegre y amable, además de ser trabajadora y decidida. Es conviviente con Jorge quien es comerciante. Juntos habitan cómodamente su propia casa que compraron con mucho esfuerzo y en compañía de una sobrina que cuidan y apoyan con los gatos de sus estudios. La actividad que realiza Delicia es la venta de ropas de damas, caballeros y niños, siendo de diversos modelos y a la moda, estos productos se los envía una amiga desde la capital. También se dedica a la venta de abarrotes en general, contando con una bodega que acondicionó en su casa, donde atiende muy amablemente a sus clientes y aprovecha en ofertarles las ropas que tiene disponible para la venta. Tiene más de 03 años dedicándose a ambos negocios, iniciándose con un capital propio y comprando en pequeñas cantidades, viendo los buenos resultados de decidió continuar, ahora ocasionalmente necesita el apoyo de una ayudante a quien paga por día trabajado.
Considera a sus negocios bastante rentables por las ganancias que le deja.
Se inició en ambos negocios debido a la necesidad de contar con una ocupación y apoyar a su pareja con los gastos de su hogar, además de poder sentirse una persona productiva e independiente. Viendo los buenos resultados, tiene planes de continuar y aumentar el stock de sus mercaderías, así verá crecer su negocio. Por tanto éste será el préstamo número 08 con la institución MFP. Está contenta de saber que podrá tener acceso a una línea de crédito para continuar con su negocio, por tanto se compromete a ser puntual con el pago de sus cuotas, como en créditos anteriores, para tener un buen record crediticio y seguir contando con éste apoyo. Por otro lado, comenta que le gusta el trabajo de su banco comunal pues los considera un grupo unido y solidario.
Con el monto solicitado de 1000 nuevos soles, lo invertirá en la compra de mercadería para su negocio como ropas variadas de diversos modelos, también abarrotes para surtir su bodega. Buscará precios más cómodos por el volumen de la compra de toda esa mercadería, entonces tendrá mayores márgenes de ganancias.

About Peru

  • $6,715
    Average annual income
  • 104
    View loans »
    Peru Loans Fundraising
  • $56,733,750
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Delicia to buy clothing to sell and grocery products to stock her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 19, 2012
Listed
Dec 26, 2012
Currency Exchange Loss:
Possible
Ended:
Jul 18, 2013