Nuevo Dia Group
Miriam is 25 years old and lives with her partner and their child. Miriam is an artisan and makes retablos (small, brightly painted wooden altarpieces depicting scenes of traditional Ayacuchan life) and knits items from alpaca wool. She works with her sisters, and they sell their wares from home. Miriam will use her loan to buy wool and paints.
Lourdes is 29 years old and lives with her partner and their daughter. Lourdes has a restaurant in a rented space. She works there everyday with her sister and one cook. Lourdes will use her loan to buy sugar and rice.
The group members need loans of different amounts. Many are requesting 200, 400 or 800 soles, and the group as a whole is requesting a total of 7,800 soles. Group members will use their loans to buy sugar, rice, wheat, barley, corn, wool, dyes, sweaters and pants. Some of the women’s dreams are to own their own homes, to buy plots of land, to open stores in their homes, to export their products, and for their children to grow up to be working professionals.
Translated from Spanish by Cynthia McMurry, Kiva fellow
El Banco Comunal Nuevo Día inicia su cuarto ciclo con 17 socias.
Las socias realizan diferentes negocios como L. venta D. comida, ropa, cereales, abarrotes, artesanía, libros, y servicios D. cosmetología. Sus ventas los realizan en sus domicilios, ambulantemente, D. casa en casa y en mercados.
Es el caso D. Miriam que es conviviente, tiene 25 años y 1 hijo, Miriam es artesana y realiza trabajos diversos como retablos y tejidos en alpaca, actividad que realiza con L. ayuda D. sus hermanas sus ventas los realiza en su misma casa, Miriam con el préstamo que obtendrá comprara lana y pinturas.
Mientras que Lourdes es conviviente, tiene 29 años y 1 hija, Lourdes tiene un restaurante en un local alquilado para lo cual cuenta con L. ayuda D. su hermana y 1 cocinero, actividad que realiza todos los días. Lourdes con el préstamo que obtendrá tiene proyectado comprar azúcar y arroz.
Las socias necesitan diferentes montos D. préstamos, algunos montos son D. 200 soles, 400 soles y 800 soles, haciendo un total D. 7,800 soles D. préstamos en el Banco Comunal.
Los préstamos lo invertirán en L. compra D. azúcar, arroz, trigo, cebada, maiz, lana, tintes, chompas, pantalones.
Los sueños D. las socias es tener casa propia, comprar un terreno, tener una bodega en su casa, sus hijos sean profesionales y exportar sus productos.
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.
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.
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