Adding to basket
61 year old Celia Elena is a widow who lives in her own house in Chala. She works as a cleaner every morning and in the afternoons she is a kitchen aide. She has repaid previous credits and at this time is applying for a loan to make improvements to her house, which will improve her quality of life. She would like to remain stable over the medium term.
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Translated from Spanish by Kiva volunteer Ina Rimpau. View original language description.
Celia Elena es una mujer viuda de 61 años de edad, vive en Chala y cuenta con una casa propia. Ella se dedica a trabajar como personal de limpieza todas las mañanas y luego de ello, en las tardes, es ayudante de cocina. Ella es una mujer recurrente y de confianza para créditos y en esta ocasión desea el microcrédito para poder mejorar su calidad de vida mediante la mejora de su vivienda. Ella espera poder permanecer estable en el medio plazo.
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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