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Esperanza  De Vida Con El Futuro Group
In this Group: Betty Consuelo, Maria Isabel, Noemi Aida, Juana, Rossi Maribel, Policarpio, Reina*, Guillermo, Elizabet Rocio
* not pictured

Update on Esperanza De Vida Con El Futuro Group

Noemi, 37 years old, is separated. The Esperanza De Vida group is made up of 9 optimistic and enterprising partners. Noemi makes a living selling baked goods like tarts and pies. She has the desire to continue growing in her business because that way she can cover household expenses.

She requested the loan to buy cakes, pies, and tarts.

The Esperanza De Vida group thanks the Kiva investors for providing this loan. Noemi is located in the back. She is the third from the right side. She is wearing a brown sweater.
View original language description ↓
Noemí de 37 años de edad es separada. El grupo “Esperanza de Vida” está conformado por 09 socios optimistas y emprendedores. Noemí se dedica a la venta de reposterías como pasteles y tortas. Ella tiene el anhelo de continuar creciendo en su negocio ya que así puede cubrir con los gastos del hogar. Solicitó el crédito para la compra de queques, tortas y pasteles. El grupo “Esperanza de Vida” agradece a los inversionistas Kiva por facilitar este crédito. Noemí se ubica en la parte posterior es la tercera del lado derecho, viste chompa marrón.

Previous Loan Details

Elizabet, 37, is married and has two dependent children. The "Esperanza de Vida" group is made up of nine responsible and supportive members. Elizabet works selling and distributing cakes and soap. She is joining the group for the first time, on the recommendation of her neighbor, who is also a m... More from Esperanza De Vida Con El Futuro 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
  • 49
    View loans »
    Peru Loans Fundraising
  • $63,756,075
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Esperanza De Vida Con El Futuro Group's $3,825 loan helped a member to buy cakes, pies, and tarts.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 17, 2014
Jun 26, 2014
Currency Exchange Loss:
Nov 17, 2014