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Esfuerzo Es Exito Group
In this Group: Maria Luisa, Armen Rosa, Mercedes, Silvia Gladys, Mercedes Luzmila, Angelica Milagros, Alina, Maria Del Carmen, Maximo Fernando, Ninfa

Update on Esfuerzo Es Exito Group

Angelica, 32, lives with her partner and her three children who all depend on her. She sells shoes, slippers, pyjamas and underwear through catalogues, an activity she has been doing for two years now. She used to offer a daily cleaning service.

She will invest the loan in buying more footwear and underwear. Her ultimate dream is to have a stand where she can sell her goods.

She also works as a secretary for the group "Esfuerzo es Exito". The group are grateful to the Kiva lenders for the help they offer.

Angelica is the first person on the right in the photograph.
View original language description ↓
Angélica tiene 32 años de edad es conviviente con 03 hijos dependientes. Ella se dedica a la venta de zapatos zapatillas y ropas interiores pijamas a través de catálogos hace 02 años. Años brindaba servicios de limpieza por días. El crédito lo invierta en la compra de más zapatos zapatillas y ropas interiores. Su mayor deseo es tener un stand donde pueda expender su mercadería. Ella cumple la función de secretaria en el grupo “ESFUERZO ES ÉXITO”. El grupo agradece a los inversionistas KIVA por el crédito brindado. Angélica es la primera del lado derecho.

Previous Loan Details

The Communal Bank “Esfuerzo Es Éxito” (Effort Is Success) is a new group that consists of eight enthusiastic members who are starting their work with the “Prosperidad” (Prosperity) Program. One of the members is Miriam. She is 29 years old, separated from her spouse, and has one dependent ... More from Esfuerzo Es Exito 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 Peru

  • $12,000
    Average annual income
  • 91
    View loans »
    Peru Loans Fundraising
  • $58,960,675
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Esfuerzo Es Exito Group's $3,400 loan helped a member to buy footwear and underwear.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 25, 2014
Jul 3, 2014
Currency Exchange Loss:
Jan 17, 2015