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La Cruz De Yerbateros Group
In this Group: Flor , Isabel, Candelaria, Estefani, Rosario, Mariana*, A Lishmar, Bertha, Marlene
* not pictured

Update on La Cruz De Yerbateros Group

Hello from Perú. This is a group composed of nine enterprising women with different commercial activities. They are members of the “La Cruz de Yerbateros” communal bank. One of them is Flor, 43, who is married and the mother of a son. She sells tamales (traditional regional dish) every day generating profits to cover her son’s school costs. Her greatest wish is to finish building her house. In future, she’d like to have a space of her own in which to sell her tamales and earn higher profits.

She requested the loan to continue investing in her business because demand has increased and she needs to continue selling more tamales. At the same time, Flor and all the other group members are grateful to Kiva and Edaprospo for the loan granted and for the trust placed in them. She promises to meet all her set goals.
View original language description ↓
Hola desde Perú, un grupo conformado por 9 mujeres emprendedoras y de diferentes actividades comerciales, así son las integrantes del grupo comunal “La Cruz de Yerbateros”. Una de ellas es la Sra. Flor de 43 años de edad casada y madre de 1 hijo, ella se dedica diariamente a la venta de tamales (comida típica de la zona) el cual le ha generado ganancias para poder cubrir los gastos de educación de sus hijo, Su mayor deseo es de terminar de construir su vivienda, En el futuro le gustaría tener un local propio donde poder vender sus tamales y obtener mayores ganancias económicas. . Solicitó el crédito para seguir invirtiendo en su negocio, pues la demanda ha aumentado y necesita seguir vendiendo mas tamales, a la vez la Sra. Flor y todos los integrantes se encuentran agradecidos con Kiva y Edaprospo por el préstamo otorgado y por la confianza que se les ha sido brindada. Dejando la promesa que cumplirá todas su metas propuestas.

Previous Loan Details

Greetings from Peru! A group made up of nine entrepreneurial women with much creativity for business. These women form the communal bank group called "La Cruz de Yerbateros" (The Cross of Herbalists). One of these members is Flor, a 43-three-year old woman. Flor is married and has one son. She... More from La Cruz De Yerbateros Group's previous loan »

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.

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.

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
  • 86
    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 portion of La Cruz De Yerbateros Group's $4,925 loan helped a member to buy pots and dishes.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 4, 2013
Apr 5, 2013
Currency Exchange Loss:
Aug 17, 2013
This photo was used before for a previous loan for La Cruz De Yerbateros Group. It was first posted on Kiva on Mar, 2013. Learn More