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Luz Esperanza
Mrs. Luz Esperanza belongs to the "Picota" Communal Bank and lives at Block Nº 6, Jr. San Martin in the District of Picota in the Department of San Martín. She is married and is 45 years old.

Motivated by her husband, she started her first business with S/. 100.00 [USD$33], selling newspapers, books, bibliographies and comic books.

At present, she sells cosmetics from the Avon line of products; she has a shop in her own home where she offers her stocked products to local clients.

With the loan of S/.1000.00 for which she will pay over a period of 6 months, she will invest in buying products like perfumes, colognes, body and foot powder, deodorants, and the creams that are ordered by catalogue. In this way she can offer her clients better prices than her competition. She will also buy school supplies such as books, pencils, erasers since the schools are now in session.

She makes the earnings decisions in her business. On a personal level she feels more sociable, more sure and responsible with her loan payments.

Luz Esperanza expresses her appreciation to Manuela Ramos for allowing her to grow as an entrepreneur and as a woman.
View original language description ↓
La señora Luz Esperanza, pertenece al Banco Comunal “Picota”, vive en el Jr. San Martín Cdra. 06, Distrito D. Picota, Departamento D. San Martín. Es Casada, tiene 45 años.
Se inició, con S/. 100.00 y fue motivada por su esposo, para emprender su negocio, empezó vendiendo revistas, libros, bibliografías, historietas.

En la actualidad se dedica a la venta D. cosméticos D. la línea Avon; y mercería, cuenta con un local acondicionado en su propia casa, donD. ofrece sus productos en stock a sus clientes.

Con el préstamo D. S/1,000.00 que cancelará en un plazo D. 06 meses, lo invertirá, comprando sus productos como perfumes, colonias, talcos para cuerpo y pies; desodorantes y cremas pedidos que los hace por catálogo para así poder ofrecerlos a sus clientes a precio mas cómodos que el D. la competencia, también comprara útiles escolares como cuadernos, lapiceros, borradores ahora que estamos en campaña escolar.

Ella, toma las decisiones en las ganancias D. su negocio. En lo personal, nos cuenta que es más sociable, más segura y responsable con el pago D. sus cuotas.

Luz Esperanza, manifiesta su agradecimiento a Manuela Ramos por permitirle crecer como empresaria y Mujer.

About Peru

  • $12,000
    Average annual income
  • 94
    View loans »
    Peru Loans Fundraising
  • $57,995,800
    Funds lent in using Kiva
  • 3.2
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Luz Esperanza purchase of perfumes, talcs, deodorants, and creams. Purchase of school supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 21, 2009
Listed
Mar 20, 2009
Currency Exchange Loss:
Covered
Ended:
Sep 15, 2009