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Virgen Del Carmen Group
In this Group: Cirila Cerafina, Justina, Enrique Edmundo, Aracelli Isabel, Luz Trinidad, Hector, Morayma Esther*, Nelida Martha, Noemi Yeni
* not pictured
Cirila Cerafina C. C. is 45 years old and from the city of Huancayo. She is an active and hard-working member of the "Virgen del Carmen" community bank.

Cirila is a single mother and is solely responsible for her three children as she has been separated for 10 years.

Cirila rents a small store where she sells candy retail. She also embroiders traditional outfits and costumes for regional fiestas (for example, the Santiago fiesta and the Huaylas fiesta).

Cirila will invest her loan in buying better threads for her embroidery.

(In the photo, Cirila is wearing a gray jacket. She is the lady on the far right).
View original language description ↓
Cirila cerafina C. C., 45 años de edad, natural de la cuidad de Huancayo, socia activa y de mucho empeño de la alcancìa comunal "Virgen del carmen".
Cirila es madre soltera, ella mantiene sola a sus 3 hijos; pues lleva separada hace 10 años.
Cirila alquila una pequeña tienda, donde vende golosinas al por menor y ademàs se dedica al bordado de trajes tìpicos, disfraces para las fiestas costumbristas de la regiòn (como por ejemplo la fiesta de Santiago y el Huaylas)
El crèdito lo invertirà para la compra de mejores hilos para sus bordados.
(En la fotografia, Cirila esta vestida de chompa color gris y es la primera de la derecha)

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
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Virgen Del Carmen Group's $2,150 loan helped a member to buy threads for her embroidery.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 14, 2011
Feb 23, 2011
Currency Exchange Loss:
Aug 15, 2011