Update on Carmen HerminiaCarmen is 32 years old, single, and has no dependent children. She lives in her parents' home, which is located in the district of Tambogrande. She lives in the urban area of the district, which has basic services like electricity and water.
Carmen has been selling party supplies, piñatas, and decorations for over three years. Her business is set up in her parents' house and they support her in all her endeavors. She has a well-established customer base and she is well-known in the area. The income she makes from her business allows her to cover her expenses and contruibute to the household income.
Carmen has requested a loan of 2,000 nuevos soles from Edpyme Alternativa. She will use this loan to purchase a batch of merchandise to offer the public a variety of options. This will allow her to expand her business.
La actividad que desarrolla Carmen es la venta de artículos de piñateria, accesorios y pasamanería, hace más de 3 años, negocio lo tiene acondicionado en casa de padres, los cuales la apoyan en tosa actividad que realiza. Cuenta con clientela establecida y ya es conocida en la zona. Los ingresos que percibe de esta actividad le ayuda para cubrir sus gastos y apoyar en la canasta familiar.
Carmen ha solicitado un crédito de S/. 2,000 a Edpyme Alternativa. Con el préstamo comprará un lote de mercadería para ofrecer una variedad de opciones al público. Cuenta con clientela establecida, siendo muy conocida en la zona, esto le permitirá hacer crecer su negocio.
Previous Loan DetailsCarmen, 31, is single and lives in her parents' house in the district of Tambogrande-Piura. Carmen is a hardworking woman who wants to improve the quality of life for herself and her parents. Carmen sells products to fill piñatas and other materials for crafts. She has had a small store in her... More from Carmen Herminia's previous loan »
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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Success!! The loan was 100% repaid
- Repayment Term
- 17 months (Additional Information)
- Repayment Schedule
- Jul 31, 2012
- Sep 11, 2012
- Currency Exchange Loss:
- Dec 19, 2013
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.