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Valor Y Sacrificio Community Lending Group
In this Group: Hilaria, Hilaria, Teofila, Esmeralda, Clementina, Karen Selene*, Irma Yessenia, Leily Carol, Brigida, Lucy Yolanda, Kelly Cinthia, Ana Luz
* not pictured
Valor y Sacrificio Communal Bank

Hilaria is one of the 12 members of the Valor y Sacrificio (“Courage and Sacrifice”) Communal Bank, which has already been working with EDAPROSPRO-PROSPERIDAD for almost 3 years. In this time, the members have completed several of their plans and projects.

At 42 years old, Hilaria is the mother of two children who are already independent. She works selling artisanal products, which she distributes from her home. She is also learning about the production of these crafts in all their possible varieties so that she herself can create them and increase her profit margins. She began making woven wool products such as sweaters, hats, gloves, etc.

Hoping one day to have a store, she plans to learn more about artisanal work and use the current loan to buy artisanal crafts to sell. Her biggest dream is to have and rent out her own store and a mototaxi.
View original language description ↓

Hilaria es una D. las doce socias D. L. alcancia comunal VALOR Y SACRIFICIO, que ya tiene trabajando con EDAPROSPO-PROSPERIDAD por casi 3 años, tiempo en el cual las socias han completado algunos D. sus planes y proyectos.
HIlaria tiene 42 años D. edad y es madre D. 2 hijos que ya son independientes, elL. trabaja en L. venta D. artesanias, las cuales distribuye desD. su casa, tambien esta aprendiendo sobre L. elaboración D. estas en todas su variedades posibles, para que elL. misma las elabore, y así tenga más ingresos.
ElL. comenzó haciendo tejidos D. lana, como chompas, gorros, guantes, etc.
ElL. plantea aprender mas sobre artesanias, tambien espera algun día tener una tienda.
El prestamo actual lo usara para comprar mas artesanias para venderlos.
Su más granD. sueño es tener una tienda propia y un mototaxi para alquilarlas.

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
  • 40
    View loans »
    Peru Loans Fundraising
  • $64,449,700
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Valor Y Sacrificio Community Lending Group's $3,000 loan helped a member investment of capital in work.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 7, 2010
Jun 12, 2010
Currency Exchange Loss:
Sep 15, 2010