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Virginia
Virginia is a 28-year-old woman. She's married and has two children with whom she lives in an adobe house. Virginia owns a grocery store which she set up on the ground floor of her house. She set it up four years ago with the goal of helping her husband support their family's finances. At first she bought very little merchandise to give it a try, and soon she saw the good results she was getting and bought much more products. She reports that the products that are in highest demand are rice, sugar, milk, oats and other cereals. She also sells cell phone recharges as well as fruits from that area in order to obtain additional profits. She feels very comfortable with her work because it also helped her to become a very well-known neighbor and make several friends. However, occasionaly there are customers who ask for merchandise on credit and take too long to pay her, resulting in some losses for her. In time she wishes to improve her business even more and eventually become a wholesale seller, so that she can improve her profits and also her finances. This is her third Kiva loan and she feels grateful for the financial support she's receiving so she can get ahead. In addition, she pledges to make her repayments in a timely fashion. On this occasion she wishes to get 3,000 nuevos soles in order to stock her business with products such as eggs, sacks of rice, sacks of sugar and vegetables.
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Virginia es una mujer de 28 años, está casada y tiene dos hijos con quienes vive en una casa construida a base de adobe. Virginia tiene una tienda de productos comestibles que puso en el primer piso de su vivienda hace 4 años con la intención de ayudar a su esposo en el sustento de su economía familiar. Inicialmente compró poca mercadería para probar y luego viendo los buenos resultados que obtenia adquirió muchos más productos. Comenta que los productos que tienen mayor demanda son el arroz, azúcar, leche, avena y otros cereales. Para obtener ingresos adicionales realiza la venta de créditos para celulares así como frutas de la zona. Se siente muy a gusto con su trabajo porque también le ayudó a convertirse en una vecina muy conocida y tener muchas amistades aunque en ocasiones tiene clientes que le piden algunos productos al crédito y tardan demasiado en pagarle ocasionándole algunas pérdidas. Con el tiempo desea mejorar aún más su negocio y llegar a ser una comerciante mayorista para así mejorar sus ingresos y también su economía. Este es su tercer crédito con Kiva y se siente agradecida por el apoyo financiero que recibe para salir adelante, además se compromete a pagar sus cuotas de manera puntual. En esta ocasión desea contar con 3,000 nuevos soles para abastecer su negocio con productos como huevos, sacos de arroz, sacos de azúcar y verduras.

About Peru

  • $12,000
    Average annual income
  • 93
    View loans »
    Peru Loans Fundraising
  • $57,986,025
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Virginia to purchase foodstuffs such as eggs, rice, sugar, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 28, 2013
Listed
Jul 29, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 29, 2014