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Luz Radiante Group
In this Group: Adriana Alberta, Efrain, Julio Moises, Lisette Maggaly, Vilma Sonia, Eulalia Sonia, Luz Mery, Zaira Mohena, Mariela Beatriz, Angela Vanessa, Joel Jesus, Karina Paola, Pilar
Vilma, age 47, is single and has two minor, school age children. She is one of the 13 members that comprise the “Luz Radiante” (Radiante Light) Communal Bank. During the last cycle all of the members showed themselves to be punctual with their payments.

Velma sells wholesale and retail groceries. She gets up very early to open her store. First she does the cleaning, arranging, and selection of the merchandise. Previously she sold food, but this business did not seem to go very well for her. She did not earn enough money to feed her children.

She is requesting this loan to buy merchandise to stock her store, get greater income, and give her children a better quality of life.Vilma’s wish for the future is for her children to become professionals.She is in the center of the photo wearing a white sweater. The members in the smaller photos did not arrive in time for the group photo and their picture was taken afterwards.
View original language description ↓
L. Sra. Vilma de 47 años de edad, soltera con 02 hijos menores de edad en etapa escolar, es una de las 13 socias que conforman L. Alcancía Comunal Luz Radiante, todos los integrantes del anterior ciclo demostraron ser puntuales con las cuotas de sus pagos. Vilma se dedica a L. venta de abarrotes al por mayor y menor, se levanta muy temprano para abrir su tienda y dedicarse primero a L. limpieza, ordenar y seleccionar L. mercadería. Anteriormente se dedicaba a L. venta de comida, pero al parecer en este negocio no le fue muy bien, ya que el dinero que ganaba no le alcanzaba para alimentar a sus hijos. Solicita este préstamo para L. compra de mercadería y así surtir su tienda para obtener más ingresos y dar a sus hijos una mejor calidad de vida .El deseo de Vilma en el futuro es que sus hijos logren ser profesionales.
En L. foto Vilma se encuentra ubicada al centro, viste una chompa color blanco , las socias que estan de fotos recortadas que se ubican al extremo de L. fotografia no llegaron en el momento que se tomo L. foto y se las tomo despues

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
  • 116
    View loans »
    Peru Loans Fundraising
  • $61,994,300
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Radiante Group's $2,875 loan helped a member to buy merchandise to stock her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 24, 2011
Sep 2, 2011
Currency Exchange Loss:
Mar 15, 2012