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EDYFICAR's mission is to provide financial services to those with limited economic resources, especially owners of micro and small businesses, to improve their quality of life.
EDYFICAR seeks to be one of the top five providers of financial services to micro and small businesses in Peru, contributing to the reduction of the costs of microcredit.


EDYFICAR directs its provision of credit to micro-entrepreneurs whose business is their source of income. Loan amounts vary from 300 to 150,000 new soles.

Client Population

Edyficar served over 180,000 active borrowers in 2008, of which 51% are women.


The institution maintains a loan portfolio of over $185 million USD, where the average loan size for a borrower is $1024. The overall success and improvement of the active borrower's lives is evident as many of Edyficar's clients apply and receive multiple loans, due to ever growing business needs, and the borrower repayment rate is more than 96% due to flourishing businesses.


Juan Chire and Dominga Quezada were poor garment workers that fell in love and decided to start a business on their own. In 1993, Juan took out a microloan to buy their first industrial sewing machine and began making baby clothes. Their business went well and now several microloans later, they have hired 17 women full-time and many more part-time. They are pleased to be able to provide their two kids and education thanks to the success of their business, the hard work of their employees and the microloans that helped them grow. Full Story

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