The members have different types of businesses, such as selling groceries, vegetables, cereals, clothing, cosmetics, food, fish and animals.
This is the case for Marcelina who is married, 42 years old and has 3 children. She has a store in her home where she sells groceries such as fruits and vegetables every day.
Meantime, Melania is separated, 48 years old and has two children. She sells clothing, her sales are on credit, and she realizes them door-to-door and in the markets.
The members need different loan amounts such as 300 Peruvian soles, 450 soles, 600 soles and 900 soles, for a loan total of 12,450 soles in the cooperative bank.
Their loans will be invested into the purchase of rice, sugar, school uniforms, animals, wheat, barley, vegetables and fruits.
The members’ dreams are to help their businesses get ahead, to have their own working capital, and for their children to complete their educations and prosper.
Las socias realizan diferentes negocios como la venta D. abarrotes en general, verduras, cereales, ropa, cosméticos, comida, pescado y animales.
Como es el caso D. Marcelina es casada, tiene 42 años y 3 hijos, Marcelina tiene una tienda en su casa en donD. venD. abarrotes, frutas, verduras, actividad que realiza todos los días.
Mientras que Melania es separada, tiene 48 años y 2 hijos, Melania venD. ropa, sus ventas son al crédito y los realiza a domicilio y en los mercados.
Las socias necesitan diferentes montos D. prestamos como 300 soles, 450 soles, 600soles, 900 soles haciendo un total D. 12,450 soles D. prestamos en el Banco Comunal.
Sus prestamos serán invertidos en la compra D. arroz, azúcar, uniformes escolares, animales, trigo, cebada, verduras, frutas.
Los sueños D. las socias son salir adelante con sus negocios, tener capital propio, sus hijos culminen sus estudios y prosperen.
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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