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Carmen Julia

Update on Carmen Julia

Carmen, 32, lives with her husband and son in their own house which has electricity and running water. It is located in the rural area of the department of Lambayeque, which is an agricultural, live-stock farming, tourism area.

Carmen runs two business from her home: the first is selling a corn-based drink known as "chicha de jora" and beer. She also raises and sells small animals and has been in both business for over six years. Her work allows her to help her husband cover household expenses. Her husband is a wage earner and works on farms in the area.

Carmen wants to expand her business by buying more animals and balanced animal feed so she can respond to the increase in demand over the Christmas holidays. She is requesting a loan in the amount of 4,000 PEN to meet her goal. She also wants to carry out some home improvements and will buy materials to do so.

She has worked with Kiva and Edpyme Alternativa before and is very grateful. Thanks to her positive experience she has decided to resort to the good will of Kiva lenders once again, and thanks them in advance for their support.
View original language description ↓
Carmen es una madre de familia de 32 años de edad, vive con junto a su esposo y a su hijo en su casa propia, cuenta con servicios de agua y luz, ubicada en la zona rural del departamento de Lambayeque. En toda la zona los pobladores se dedican a la agricultura, ganadería y turismo.

Carmen cuenta con dos negocios en su domicilio: El primero es la venta de chicha de jora (bebida típica hecha a base de maíz)y cervezas y adicionalmente se dedica a la crianza y venta animales menores, cuenta con experiencia de más de seis años en ambas actividades. Ambas actividades le sirven para ayudar a su esposo con el sostenimiento de la economía de su familia. Su esposo trabaja como jornalero en los campos de cultivo de la zona

Carmen desea ampliar su negocio comprando más animales y alimento balanceado, de modo que pueda responder a la demanda que suele incrementarse en fiestas navideñas. Para ello ha solicitado un crédito de 4000 nuevos soles que le permitan lograr su objetivo. Adicionalmente desea realizar algunas mejoras en su domicilio, como compra de materiales para ampliarlo.

Ella ya ha trabajado anteriormente con Kiva y Edpyme Alternativa y le ha ido bastante bien, por ello se encuentra muy agradecida, y gracias a la grata experiencia que pasó, ha decidido recurrir nuevamente a la buena voluntad de los prestamistas de Kiva, a los cuales agradece de antemano su ayuda.

Previous Loan Details

Carmen is a thirty-one year old mother who lives with her children in her own home, which has light and water service and is located in the rural region of the Lambayeque department. Throughout the region, people work in agriculture, ranching, and tourism. Carmen sells beer, and has been doing... More from Carmen Julia's previous loan »

Additional Information

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.

About Peru

  • $12,000
    Average annual income
  • 85
    View loans »
    Peru Loans Fundraising
  • $63,797,675
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Carmen Julia to buy animals and feed to expand her business, and to buy materials for home improvement.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 10, 2012
Nov 12, 2012
Currency Exchange Loss:
Dec 19, 2013