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El Arbolito (The Little Tree) Group
In this Group: Melania Esperanza, Maria Teresa, Carmen Rosa, Roxana, Silvia Meril, Evelina, Bilha, Eresvita, Lili, Emely Tomasa
Carmen, age 44, is married and has three children; one of them is still in her care, but the other two are already grown and independent. Carmen is the president of the communal bank "El Arbolito" (The Little Tree) -- a name that represents the gradual growth that the members feel they experience within their group, just like a tiny seed that eventually grows into a big tree.

For over eight years, Carmen has been in the business of buying and selling second-hand items -- a venture that provides her with a good level of income and has allowed her to outfit her house and expand it to meet her family's needs. Prior to starting in this business, Carmen looked for odd jobs such as house-cleaning or doing laundry, but her husband helped her realize that they could earn more if they worked together. This is why Carmen decided to fully dedicate herself to this venture, which also allows her to strengthen her ties with her husband.

Among Carmen's near-term goals is the plan to purchase a Mototaxi (a motorcycle with a cabin for carrying passengers) to provide additional work for her husband; she would also like to expand her business and specifically to have a storage area where should could keep her excess inventory.
View original language description ↓
La señora Carmen de 44 años es casada y tiene tres hijos, uno aún depende de ella pero dos ya son adultos e independientes. Ella es presidenta de la Alcancía Comunal “El Arbolito”, nombre que le pusieron al grupo para representar el crecimiento paulatino que ellas sienten tener en la Alcancía; de cómo una pequeña semilla termina siendo un gran árbol.
Carmen se dedica hace 8 años a la compra y venta de artículos usados, comúnmente llamados “Chatarrería” o “Reciclaje”, negocio que le genera muy buena rentabilidad, tanto así que ha conseguido armar su casa y ampliarla adecuadamente para su familia. Antes, Carmen buscaba trabajos eventuales como servicio de limpieza o lavando ropa, pero su esposo le hizo ver que podían trabajar juntos y generar más ingresos. Así es como Carmen decide meterse de lleno a este negocio y a la vez reforzar los lazos de pareja con su esposo.
Dentro de sus metas más próximas, está el adquirir una “Mototaxi” (Motocicleta adaptada para brindar servicio de movilidad con pasajeros) para ponerlo a trabajar; también quiere ampliar su negocio a fin de tener un almacén donde guardar sus excedentes de mercadería.

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
  • 41
    View loans »
    Peru Loans Fundraising
  • $64,488,800
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Arbolito (The Little Tree) Group's $2,275 loan helped a member to augment working capital.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 8, 2011
Mar 26, 2011
Currency Exchange Loss:
Aug 15, 2011