A loan of $3,025 helped a member to buy merchandise.


Sol Y Luna Group's story

The SOL Y LUNA (Sun & Moon) communal bank is in its 5th cycle; it’s composed of 8 members, all women from Pampahasi, near the Emprender offices. They are involved in a variety of commercial activities, such as: clothing and cosmetics sales, vegetable sales, manufacture and sale of sportswear and jacket sales. In their last cycle they all paid back in full except one of the members who used her savings to repay because one of her family members became ill; her membership in the communal bank was revoked.

Angélica is the group representative and is the current bank president. She sells various brands of catalogue cosmetics. She has been in this line of work for 5 years and will use the requested funds to take advantage of sales and promotions that the firm offering the cosmetics has available.

She has been separated from her husband for about 20 years; she lives with her oldest children and her grandchildren. Angélica acts as both mother and father watching over the wellbeing of the entire family. Because she has limited resources, funds from the institution have been of great use to her to get ahead together with her family and children. She has stood out in her communal bank as a responsible and punctual person with respect to her repayments; she is also very cheerful.

Elisa is a new group member. She is 18 years old and has a 10 month old baby but this is not an obstacle for her to improve and to continue forward despite everything. She is unmarried and lives with her mother and sisters. She is both mother and father to her son. Because he is in a development stage she needs more resources for his nourishment and clothing. For this reason, she has to work.

She and her family live in a two-room house; they are a low-income family. The funds will be used to buy merchandise in order to open a neighborhood grocery store since she already has a proper locale for it located two blocks from Minibus Route 300 stop in VilL. Victoria. This will make it possible for her to support her family and her son.

She is bank treasurer and she was elected to this post thanks to the responsibility and companionship she has shown during her training period.

Roxana is a returning member; she dropped out for a cycle. She makes sportswear that she subsequently sells at her sales stand on Illampu Street, an area that is very commercial for sales. She will use the funds to buy raw materials.

Roxana is single and has a daughter; she lives with relatives in the Pampahasi area. Her goal is to own her own house and later on have her own micro business and to sell her items at wholesale; she would even like to export the labor she does indicating that people have to continue forward despite everything, both good and bad.

She is very grateful to Emprender and to Kiva for the trust placed by granting the loan.

In this group: Angelica , Angela , Cristina , Ximena, Elisa , Roxana , Blanca, Faustina

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Translated from Spanish by Kiva volunteer Polliz



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