Mirtha, Teofila Y Wilma Group
Mirtha is 47 years old, married and has two children. She is a sales representative for cooking utensils and surgical supplies, and also sells natural products on credit to friends and relatives. She also runs a convenience store out of her home.
Teofila is 55 years old and single. She sells woven craftwork like tapestries and blankets that she orders from artisans. She purchases the materials like wool and delivers them to the artisans, who then make her orders. She makes her sales at the city markets of Ayacucho, and she also takes her products to Lima.
Wilma is 36 years old, lives with her partner and has two children. She sells cosmetics via catalogue to friends, relatives and workers at different offices. She also sells clothing, which she brings in from Lima. The large proportion of her sales is on credit.
Mirtha, Teofila and Wilma are requesting loans of 900 soles ($310) apiece, which they will use to invest in the purchase of milk, rice, sugar, oil, needles, wool, children's clothing and towels.
These three women dream of having their own capital, expanding their businesses and providing better lives for their children.
Translated from Spanish by Marty Greenstein, Kiva volunteer
Mirtha, Teofila y Wilma son socias del Banco Comunal Buena Suerte.
Mirtha es casada, tiene 47 años y 2 hijos, Mirtha es representante de ventas de utensilios de cocina en material quirúrgico, también vende productos naturales que vende al crédito a amigos, familiares. Además Mirtha tiene una tienda de abarrotes en su casa.
Por otro lado Teofila es soltera y tiene 55 años, Teofila vende artesanía en telar como tapices, frazadas, que manda elaborar con artesanos, Teofila compra los materiales como lanas y lo entrega a los artesanos que elaborar sus pedidos, sus ventas los realiza en los mercados de la ciudad de Ayacucho y también lo lleva a la ciudad de Lima.
Mientras que Wilma es conviviente, tiene 36 años y 2 hijos, Wilma vende cosméticos por catálogos que ofrece a amigos, familiares y trabajadores de distintas instituciones, también vende ropa que trae de la ciudad de Lima, sus ventas en gran proporción son al crédito.
Mirtha, Teofila y Wilma necesitan prestamos de 900 soles, 900 soles, 900 soles, dinero que será invertido en la compra de leche, arroz, azúcar, aceite, hilos, lanas, ropa para niños y toallas.
Los sueños de Mirtha, Teofila y Wilma son tener capital propio, ampliar sus negocios y brindarle todo lo mejor de sus hijos.
About FINCA PeruThis loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.
In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.
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.
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