Gisela’s a member of the “Jóvenes Emprendedores” (Young Entrepreneurs) group. Gisela is one of the communal bank members. She’s 19-years-old living with her family. She works in order to help her parents and to pay her cosmetology courses; her greatest dream in life is to have her own beauty salon. She currently works as a cosmetologist and sells beauty products. Her sales take place at work and among her classmates. The loan she’s requested will serve to buy more products and to increase sales. Gisela is new to the group and as such is grateful for the trust of many people who help her even though they don’t know her. The inserted photo is of one of the group members. Gisela is wearing a black shirt and light blue jeans. She arrived to the disbursement office a little late to take the photo, so she had to take a solo shot.
*The children belong to the members; they wanted to appear in the photo with their mothers.
Gisela es miembro del grupo Jóvenes Emprendedores
Gisela es una de las socias de la alcancía .Ella tiene 19 años es soltera y vive junto a su familia, trabaja para poder ayudar a sus padres y pagar sus estudios de cosmetología, su mayor sueño en la vida es tener su propio salón de belleza, en la actualidad trabaja como cosmetóloga y se dedica a la venta de productos de belleza, sus ventas las realiza en su trabajo y entre sus compañeras de estudio, el préstamo que ha solicitado le servirá para comprar más productos y aumentar sus ventas. Gisela es nueva dentro del grupo y como tal esta agradecida por la confianza de muchas personas que la ayudan sin conocerla.
La foto adjunta pertenece a una de las socias. Gisela que esta con polo negro y pantalón jean celeste, ella vino al desembolso un poco tarde por eso se le tomo la foto a ella sola.
*Los niños son hijos de las socias quisieron salir en la foto con sus madres.
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.