A loan helped a member to replenish his merchandise including oranges, bananas, mangoes and guavas.


3 Em 1 Group's story

Marcos, in the red shirt in the photo, is a very hard-working man. He lives with his parents and has always lived in the Sao Paulo area where he found the best work opportunities. He became an entrepreneur because he always dreamed of having his own business and looked up to his father who was a merchant.

It has been five years since Marcos opened his stand at the market and began selling fruit. He always seeks to bring quality products to his customers to boost his business and will invest in the purchase of oranges, bananas, mangoes, and guavas to abundantly replenish his stand.

The group is grateful to the investors for the opportunity.

In this group: Carlos, Margarida, Andresa, Marcos

Translated from Portuguese by Kiva volunteer Marcia Margolis.


This loan is special because:

This is one of few affordable credit options for low-income borrowers in São Paulo, Brazil.



Loan details


Lenders and lending teams




Loan details