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Santa Cruz De Cocachacra Group
In this Group: Ysabel Violeta, Emilia, Noemi, Norma, Mercedes, Hilda Marianela, Leticia Ada, Elizavet Carmen, Jorge Alex *, Bety Aida*
* not pictured
The Santa C. D. Cocachacra group is comprised of nine women and one man, all of whom are microbusinesspeople. They are dedicated to the sale of food, fruits, and candy. The business that they have is an important source of support to their families. We received the following testimonials:

Mercedes is a 53-year-old woman. She has worked for 10 years at her own kiosk selling juice and candy to support her husband with the higher education costs of their children. Her husband's income alone only covers their home's basic expenses. Like every mother, her dream is that her children have a better life than their parents. She used to start selling very early. At the beginning, she didn't sell much, but this changed in time because the location where she sold became a bus stop with a lot of buses heading towards towns in the Peruvian mountains. She used her first credit to buy merchandise for her business (cookies, soft drinks, candies, snacks, etc.), and she used her profits to pay for the higher education costs of her children as well as food. She also renovated her kiosk. She needs a loan to buy soft drinks and candy.

Norma is married and is the mother of 3 children who are still under her care. When she was 20, she would take the train that passed by that went to Huancayo. She did this early in the morning to make the most of selling fruits that she packaged in her house and put in a basket. She remembers that she did this when she was a girl to help her grandmother who raised her. In the afternoons, she also went out to sell peaches, mandarins, and apples to the passengers on the train that went to Lima. So she sold all of her merchandise while her sister-in-law watched her children. She did this because her husband didn't have a steady job, and her desire to give the best to her children motivated her to work. On the weekends, she prepared sweets (pudding, donuts, arroz con leche, etc.) and dishes such as chicken, guinea pig, and pachamanca (a traditional dish where meat and vegetables are baked in the ground with hot stones). She sells this food to people in her community and at festivals in towns in the mountains. She makes enough money to educate her children, to improve her home, and to buy some things for their home that they didn't have before. She has used the loans she has received to buy supplies for her business. She also used it for an operation she had on her gallbladder and for medicine because she does not have insurance. She needs this loan to be able to purchase supplies. Her profits will help her pay for the education of her youngest daughter, who is 14.

View original language description ↓

Grupo conformado por nueve mujeres y un varón todos ellos microempresarias quienes se dedican a L. venta D. comidas, frutas, golosinas. El negocio que cuentan permite ser un apoyo importante en su familia; así tenemos los siguientes testimonios:
Mercedes es una mujer D. 53 años D. edad, hace diez años trabajó vendiendo en un kiosco propio jugos y golosinas para apoyar a su esposo en L. educación superior a sus hijos porque los ingresos D. éste solo cubría los gastos básicos D. su hogar; como toda madre es el deseo que sus hijos sean mejores que ellos. Salía a vender desD. muy temprano, al comienzo no vendía mucho cambiando esto en el transcurso del tiempo debido a que el lugar se volvió paradero D. micros con destino a pueblos D. L. sierra peruana. El primer crédito que recibió compró mercadería para su negocio (galletas, gaseosas, caramelos, piqueos u otros) y sus ganancias en los estudios superiores a sus hijos, y otra parte en alimentación, asimismo renovó el kiosco por uno nuevo. Requiere del préstamo para comprar gaseosas y golosinas.

Norma es casada, madre D. tres hijos uno aún está al cuidado D. elL.. Cuando tuvo 20 años D. edad se subía al tren que pasaba en su pueblo con destino a Huancayo esto lo hacía era en horas D. L. mañana aprovechaba en vender frutas que elL. embolsaba en casa colocándolos en una cesta, recordaba cómo lo hacía cuando era niña para ayudar a su abueL. quien L. crió. Y en las tardes nuevamente salía a vender los frutos D. melocotones, mandarinas, manzana a los pasajeros del tren que iban a Lima, así terminaba D. vender toda su mercadería mientras su cuñada veía a sus hijos pequeños por unos momentos. Esto lo hizo porque su esposo no contaba con una estabilidad laboral queriendo darles lo mejor a los suyos L. impulsó trabajar así. D. igual modo los fines D. semana preparaba dulces (mazamorra morada, picarones, calabaza, arroz con leche) y platos como pollada, picante D. cuy, pachamanca a L. olL. ofreciendo a los pobladores D. su comunidad y en fiestas D. los pueblos D. L. sierra, llegando a tener los ingresos que permitieron dar educación a sus hijos, mejorar su casa, y comprar algunas cosas para el hogar que no contaban antes. Los préstamos que recibió los empleó en insumos, así mismo L. operación que tuvo D. L. vesícuL. y medicina dado a que elL. no cuenta con un seguro. Requiere D. este préstamo para comprar insumos, ganancias que ayudará en terminar D. educar a su última hija D. 14 años.

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
  • 46
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Santa Cruz De Cocachacra Group's $3,600 loan helped a member to purchase supplies.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 11, 2009
Jan 1, 2010
Currency Exchange Loss:
May 15, 2010