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Unidas Por Siempre Group
In this Group: Katherine Vanessa, Margot Carmen, Isela Dorita, Yovanna Beatriz, Janet Natalia, Julyanna Ines

Update on Unidas Por Siempre Group

Margot is 32 years old, single, and has a seven-year-old son. She currently works as a production operator at a shoe factory. For years, she worked as a fare collector for the transportation cooperatives. Margot is currently remodeling her home. Her loan will be invested in construction materials, such as cement and sand, for laying down a floor in her house.

Margot is part of the group "Unidas Por Siempre" (Always United) in which she serves as president. The group thanks the Kiva lenders for providing this loan. Margot is the first person standing on the left and wearing a black jacket.
View original language description ↓
Margot tiene 32 años es soltera con un hijo de 07 años. Ella actualmente trabaja como operaria de producción una fábrica de zapatos. Años atrás se dedicaba a ser cobradora de los colectivos. Ella se encuentra arreglando su vivienda. El préstamo lo invertirá en la compra de materiales de construcción cemento arena para hacer el piso de su casa. En el grupo “UNIDAS POR SIEMPRE” cumple la función de presidenta. El grupo agradece a los inversionistas KIVA por el préstamo brindado. Margot es la primera persona parada del lado izquierdo viste saco negro.

Previous Loan Details

The group “Unidas por Siempre” (Forever United) is made up of five hard-working, entrepreneurial women who make their livings doing diverse sales activities. Jane, 32, lives with two children who are still minors. For three years, Jane has been selling food items: wings, sweetbreads, hot dogs an... More from Unidas Por Siempre Group's previous loan »

Additional Information


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.

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.

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Peru

  • $12,000
    Average annual income
  • 103
    View loans »
    Peru Loans Fundraising
  • $58,002,425
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Unidas Por Siempre Group's $2,750 loan helped a member to buy cement and sand for laying down a floor.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 9, 2014
Jan 23, 2014
Currency Exchange Loss:
Aug 17, 2014