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Luz De La Esperanza Group
In this Group: Esperanza, Lorry Rosa, Yolanda Marlene, Elsa, Yenny, Jesus Angel, Norma Luz, Nelly, Milagros Carmen, Oscar
Luz D. Esperanza Community Bank

The Luz D. Esperanza Community Bank is represented by its president, Lorry S.. They are in their ninth loan cycle, and they have demonstrated punctuality and responsibility. This group has different activities related to sales like food sales, sewing, and handicrafts.

Lorry had a “cevicheria” (a restaurant specializing in ceviche and other seafood dishes), which gave her many benefits. Sadly, she had to close the business for health reasons, which impeded her mobility. She then started a business which allowed her to manage it at home. She could study some courses on cosmetology and nursing. This allowed her to support her children. She separated from her husband several years ago.

Now she has a good customer base that she tends to every month. She also sells hair care products.

The benefits she has gotten have been to improve the infrastructure of her house and to keep paying for her children’s education.

The loan given to her and the other members is to buy supplies for the different businesses that each one of them has. That way they can give their families the necessities of life.
View original language description ↓

La Alcancia Comunal Luz D. la Esperanza está representada por la presidenta Lorry S. y cursan el noveno ciclo demostrando puntualidad y responsabilidad. Este grupo realiza diferentes actividades relacionadas con el comercio, venta D. comida, costura y manualidades.

La Sra Lorry tuvo un negocio D. cebicheria que en su momento le dio muchos beneficios, pero lamentablemente por problemas D. salud tuvo que cerrar su negocio; estos problemas le impedían movilizarse, entonces comenzó un negocio que le permitia desenvolverse en casa, fue así que pudo estudiar algunos cursos D. cosmetología y enfermería, que le permitió mantener a sus hijos, ya que se había separado D. su esposo hace varios años.

AhO. ella tiene toda una cartera D. clientes a los cuales atienD. mensualmente. Además venD. productos para el cuidado del cabello.
Los beneficios que ha obtenido han sido D. mejorar la infraestructura D. su casa y seguir pagando la educación D. sus hijos.

El crédito otorgado a ella y a los demás socios será destinado para la compra D. insumos para los diferentes negocios que tienen cada una.
Y así poder brindarles a sus familias lo indispensable para vivir.

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.

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
  • 115
    View loans »
    Peru Loans Fundraising
  • $61,996,325
    Funds lent in using Kiva
  • 3.0
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz De La Esperanza Group's $2,525 loan helped a member buy products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 6, 2009
Jul 25, 2009
Currency Exchange Loss:
Dec 15, 2009