Fondesurco

Peru

Fondesurco

FONDESURCO

Invester i mikrofinans

+ 757 andre investorer

Peruvian cheesemaker Demetrio turned his passion into reality. With a microcredit from Fondesurco, he bought the necessary equipment to become the proud owner of a thriving cheese business. Your investment helps 100 entrepreneurs like Demetrio flourish. *EUR/USD exchange rate risk*

€250,000

Beløp

6.25%

Interesse

12 måneder

Modenhet

6 måneder

Tilbakebetalinger

USD

Valuta

Beløp	€250,000
Interesse	6.25%
Modenhet	12 måneder
Tilbakebetalinger	6 måneder
Valuta	USD

100%

Fullt finansiert på 12 dager på 18 Juli 2023.

Prosjektet

Once just a worker at a cheese plant, Demetrio dreamed of being able to provide more for his two daughters and himself. He saw an opportunity by starting his own cheese business. With Fondesurco's microcredit, he seized the opportunity to buy essential equipment, like straw moulds and a cheese press. Today, Demetrio independently transforms nearly 1,000 litres of milk into almost 120 braided cheeses for the Arequipa market. His successful business shows how a microloan of our newest local partner Fondesurco can help turn dreams and determination into reality.

Fondesurco supports small and medium-sized enterprises (SMEs), particularly in rural and semi-urban southern regions in Peru. Their strategy is multifaceted. They provide accessible loans to businesses that often don't qualify for traditional bank loans, creating financial inclusion in underserved communities. Fondesurco also offers financial literacy and business management training to empower SME owners with the knowledge to grow their enterprises sustainably. Fondesurco is known for supporting agriculture and green finance. Green finance focuses on investments that promote sustainable practices that benefit the economy and the environment. Fondesurco's work enables SMEs to participate and thrive in the formal economy.

What social return could your investment generate?

By providing a loan of 250,000 euros, Fondesurco can support approximately 100 agriculture, livestock, tourism, and commerce entrepreneurs in Peru, particularly those residing in rural areas. This financial support will empower entrepreneurs to enhance their businesses, improve the quality of life for their families, and nurture further development of the communities.

Besides offering loans, Fondesurco commits to making a difference in the lives of individuals and communities with a diverse range of non-financial projects. These initiatives tackle critical subjects like climate change and women's empowerment while addressing key cooperative development and collaboration elements.

What financial return could your investment generate?

Annual interest rate of 6.25%.
The maturity of the loan is 12 months.
There will be a repayment of your investment every 6 months.
With an investment of 1,000 euros, your expected total repayment would be 1,047 euros.
Please consider that you are investing in USD, so there is a risk of exchange rate fluctuations between dollars and euros. For more information on potential exchange rate risks, please visit our currency page.

The story of Fondesurco

Fondesurco specializes in rural microfinance. The MFI was established in 1994 with support from local Non-Governmental Organizations Ceder and Desco. It aims to provide financial services to underserved individuals who are excluded from the formal financial system. As a Savings and Credit Cooperative, Fondesurco offers a range of services such as savings, transfers, insurance, and payment facilities. With over 40,000 members and 29 branches in Peru's Arequipa, Lima, Moquegua, Ayacucho, Puno, and Huancavelica regions, they strive to drive progress in rural and urban areas through responsible and accessible financial solutions.

Fondesurco in numbers

Founded in 1994
40,000 clients in rural areas
29 agencies in 6 cities

Selskapets navn	FONDESURCO
ADMINISTRERENDE DIREKTØR	Carlos Alberto Marquez Moscoso
Grunnlagt	2015-02-04
Beliggenhet	Arequipa
Sektor	Finansielle tjenester
Omsetning	$1,173,620
Ansatte	176
Kredittpoeng	B

Påvirkning

Små og mellomstore bedrifter (SMB-er) utgjør en betydelig del av det peruanske økonomiske landskapet. Små og mellomstore bedrifter bidrar til jobbskaping, innovasjon og generell økonomisk vekst i landet. Mange SMB-gründere i Peru har imidlertid utfordringer med å få tilgang til bankfinansiering og vanlige lån, noe som hindrer dem i å ekspandere og nå sitt fulle potensial.

Fondesurco, en mikrofinansinstitusjon (MFI) i Peru, er en del av den potensielle løsningen. De har spesialisert seg på å tilby mikrolån som er skreddersydd for de unike behovene til små og mellomstore bedrifter, særlig de som opererer i rurale og underbetjente områder. Ved å tilby tilgjengelige finansieringsalternativer og forenklede krav gjør Fondesurco det mulig for små og mellomstore bedrifter å investere i virksomheten sin, kjøpe utstyr og utvide virksomheten.

Gjennom finansiell støtte og tilleggstjenester har Fondesurco som mål å bygge bro over finansieringsgapet og fremme finansiell inkludering for små og mellomstore bedrifter. De tilbyr også programmer for finansiell kompetanse og opplæring i bedriftsledelse, slik at SMB-eiere får den kunnskapen og de ferdighetene som er nødvendige for bærekraftig vekst. Dette vil fremme entreprenørskap, jobbskaping og økonomisk utvikling i Peru. Deres innsats bidrar til et blomstrende økosystem der små og mellomstore bedrifter kan blomstre, noe som skaper positive ringvirkninger i hele økonomien.