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Carmen is a 40-year-old working woman. She lives in the town of Polobaya Chico, which is located in Puquina.
She works raising cattle, paying special attention to the care and nutrition that she provides them to keep them healthy.
She requests a loan to buy cattle, thus increasing her production.
Carmen hopes in the future to improve her house and continue to have well-being.
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Translated from Spanish by Kiva volunteer E. Power. View original language description.
Carmen es una mujer trabajadora de 40 años de edad, vive en la localidad de Polobaya Chico que esta ubicado en Puquina. Ella se dedica a la cría de ganado vacuno prestando especial atención en los cuidados y alimentación que les brinda, para mantenerlos sanos, solicita el microcrédito para comprar ganado vacuno aumentando su producción. Carmen espera en un futuro mejorar su casa y seguir contando con bienestar.
Fondesurco is a non-governmental organization that works closely with clients in the rural regions of Arequipa, Moquegua and Ayacucho in Peru. Along with prioritizing rural communities, the organization has a strong commitment to environmental sustainability and conservation.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
Kiva loans are facilitated through 2 models, partner and direct, that enable us to reach the greatest number of people around the world.
For partner loans, borrowers apply to a local Lending Partner, which manages the loan on the ground. Lending Partners are responsible for screening borrowers, disbursing loans, posting borrowers to the Kiva website for funding, collecting repayments and otherwise administering Kiva loans on the ground to borrowers.
For direct loans, borrowers apply through the Kiva website and may or may not be endorsed by a Trustee. Unlike Lending Partners, Trustees don't handle any financial transactions or have any duty to repay loans on behalf of their borrowers. Instead, Trustees take the role of providing support and business advice to their borrowers throughout the term of the loan.
A Lending Partner's average loan size is expressed as a percentage of the country's gross national annual income per capita. Loans that are smaller (that is, as a lower percentage of gross national income per capita) are generally made to more economically disadvantaged populations. However, these same loans are generally more costly for the Lending Partner to originate, disburse and collect.
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