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Las Heroinas Group
In this Group: Ruth America, Sonia Pilar*, Sergia, Julia, Edmundo Hugo, Gladys Haydee, Maritza Isabel, Edith Yovanna, Ana Maria
* not pictured
Ruth America G. S., separated, is 56 years old. She presides over “Las Heroinas” [The Heroines] communal bank. She has been retired for ten years.

She started her cosmetics sales business to distract herself and avoid depression caused by the withdrawal from her last job, and because her retirement pay was very little and not enough to proviD. for her household’s basic needs.

At that time she was still caring for her youngest daughter, who was in school. She found that a cosmetics business was one way to find herself, and a way of again working with other people. Ruth saw that it provided more income for her household. She dedicated herself fully to the business, and afterward she was invited to become boss of the area.

Currently, she sells [cosmetics] and receives tips to add more sales people to her group. In the near future, Ruth G. would like to, in addition to continuing this business, begin to sell organic products.

Ruth G. shares her home with her mother and one of her daughters, who is an adult (in the photo, Ruth is dressed in red pants, a blue jacket and is wearing glasses; she is the second from the right]. The loan that she requests will be used to add merchandise to her line of cosmetics products.

**The two small corner photos show the two people whose faces are semi-obscured in the group photo**
View original language description ↓
Ruth America , es Presidenta del Banco Comunal "Las Heroinas", Ruth America, es separada, tiene 56 años D. edad, es jubilada desD. hace 10 años. Empezò el negocio D. venta D. cosmèticos; ya que el pago percibido por su jubilaciòn era muy poco y no era suficiente para sus necesidades bàsicas en su hogar. Para ese entonces aùn tenìa a su cargo a una D. sus menores hijas, quien estaba en edad escolar.
Al ver que el negocio D. cosmètica era una forma D. encontrase, y tratar D. nuevo con otras personas; ella viò que era un ingreso màs para el hogar, se avocò D. lleno a este negocio; posteriormente la invitaron para ser jefa D. zona. Actualmente venD. y adicionalmente percibe propinas por incrementar mas vendedoras a su grupo. En un futuro cercano la Señora Ruth G. adicionalmente a este negocio, le gustarìa vender productos naturales.
La Señora Ruth America es responsable D. su mamà D. 78 años D. edad, quien està delicada D. salud y necesita D. muchos cuidados; ademas D. una D. sus hijas, quien ya es mayor D. edad, El prèstamo que se le otorga, lo utilizarà para incrementar mercaderìa a su linea D. productos cosmèticos.
(en la foto, la señora Ruth America viste D. pantalon rojo, casaca azul y lleva lentes; es la segunda D. la derecha)

** Las dos fotos pequeñas corresponden a las dos Personas cuyas caras se muestran un poco ocultas.

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
  • 101
    View loans »
    Peru Loans Fundraising
  • $61,912,975
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Heroinas Group's $2,175 loan helped a member buy cosmetic products to boost her sales.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 19, 2010
Dec 2, 2010
Currency Exchange Loss:
Apr 15, 2011