Update on Karina ElizabethThe San Esteban Communal Bank meets every two weeks in the city of Charapoto. The locality is known for its traditional culture and for being only a few minutes from the province's best beaches, San Jacinto and San Clemente.
Karina lives here in Charapoto. She is 28 year old, single and lives at home with her parents. She has a degree in accounting, something she achieved with a great deal of effort.
In order to make an income to cover her expenses, and also to help her parents with household costs, more than three years ago Karina took over a shop in the city centre. Here she started out with a photocopying machine, and with the help of loans has gradually stocked a small stationer's shop. She works every day, with the help of her mother, who looks after the business when Karina is not there or goes out to buy supplies.
She is seeking another loan as these are very important for her to move forward and expand her business. She invests her profits in things she needs, for example she used them to buy a glass cabinet to display her products, and her goal is to keep growing the business. With this new loan she will buy school supplies and paper for the photocopier.
Karina has been with the communal bank for more than three years and she likes it because the loans have helped her a lot with her business. Her dream is to expand her business.
En este lugar vive la señorita Karina, tiene 28 años de edad, está soltera y vive en casa de sus padres, ella es Ing. en Contabilidad, especialidad que con mucho esfuerzo logro.
Doña Karina para obtener sus ingresos para sus gastos y también con esto ayudar a sus padres con los gastos del hogar, hace tres años adecuo un local por el centro de la ciudad en el cual puso una copiadora y luego con la ayuda de los créditos ha ido surtiendo una pequeña papelería, trabaja todos los días con la ayuda de sus mama que está en el negocio cuando ella no está o sale a comprar los útiles para surtir su local.
Ella está repitiendo el crédito ya que estos son muy importantes para seguir adelante y aumentando su negocio, con sus ganancias ella va comprando cosas necesarias ya que su meta es seguir creciendo con su negocio, ella utilizo sus ganancias para comprar una vitrina para exhibir sus productos, este nuevo crédito es para comprar útiles escolares y hojas para la copiadora. Lleva más de tres años en el Banco Comunal y le gusta porque los créditos le han ayudado mucho para su negocio.
Su sueño es aumentar su negocio.
Previous Loan DetailsThe "San Esteban" communal bank meets every two weeks in the city of Charapoto. The area is known for its traditional culture and because it is only a few minutes away from the province's best beaches, San Jacinto and San Clemente. Karina lives here in Charapoto. She is 28 year old, single and… More from Karina Elizabeth's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid
- Repayment Term
- 6 months (Additional Information)
- Repayment Schedule
- Aug 22, 2013
- Sep 10, 2013
- Currency Exchange Loss:
- Jan 17, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.