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Norma
Norma is 54 years old and is a very dynamic, entrepreneurial woman who is married and has 5 children. Three of her children are grown up, and her two youngest children still live with her and her husband. Norma makes a living selling cosmetics and other feminine accessories, including perfume, powders, lotions, creams, earrings and a wide variety of jewelry. She buys all her merchandise in bulk from a nearby city, and she travels door to door around her town selling products to her clients. Norma always tries to work with her clients' financial needs and offer payments plans where customers can pay in smaller installments every week or two weeks. She has ten years experience in this trade, and she is grateful that business is going well. Norma's son also works with her to help transport merchandise around town.

One of the aspects Norma likes best about her work is the flexibility to gives her to work from home and set her own schedule. In addition, it has been gratifying to see how her clients have come to really respect and appreciate her over the years, as she is always kind and gracious to them and greets them with a big smile. With the support from this loan Norma plans to purchase cosmetics and accessories in bulk to stock her business. She is grateful to all the lenders who are making this opportunity possible and are helping her fulfill her dreams.
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Norma, de 54 años es una mujer emprendedora y muy dinámica, está casada, tiene 5 hijos de los cuales 3 ya son mayores e independientes, viven en su casa propia junto a sus otros dos hijos y su esposo. Norma se dedica a la venta cosméticos y otros accesorios femeninos de uso cotidiano. Vende perfumes, talcos, cremas corporales además de aretes y diversas joyas. Toda su mercadería es enviada en grandes paquetes desde otra ciudad. Todos los días ella va en busca de sus clientes por las calles de la ciudad visitando casa por casa para vender sus productos al contado o al crédito realizando la cobranza en forma diaria, semanal o quincenal. Realiza este oficio hace 10 años y algunas veces recibe el apoyo de su hijo quien le ayuda en el traslado de su mercadería. Se siente muy satisfecha por lo bien que le va en esta nueva etapa.Le gusta mucho tener este trabajo porque le permite disponer de su tiempo y realizar las labores de su hogar con mucha comodidad, además a aprendido a ganarse el respeto y la confianza de los clientes gracias a su buen trato y su gran sonrisa, tiene buenas ventas y como resultado de ello obtiene buenas ganancias económicas. En esta oportunidad solicitará S/. 3000, por tanto agradece a todas las personas que hacen posible su acceso al préstamo que necesita para cumplir con sus objetivos laborales. El monto solicitado lo invertirá en la compra de mercadería conformada por diversos tipos de cosméticos y accesorios femeninos.

About Peru

  • $12,000
    Average annual income
  • 96
    View loans »
    Peru Loans Fundraising
  • $57,954,100
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,075 helped Norma to purchase cosmetics in bulk to stock her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 26, 2013
Listed
Aug 27, 2013
Currency Exchange Loss:
Possible
Ended:
Feb 25, 2014