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Señor Justo Juez Group
In this Group: Yhon*, Felicitas Hermelinda, Ufani Soledad, Marina, Jose Luis, Olga, Luis Alfredo, Rosa Georgina, Haydee Teresa, Betzabeth, Ruth Carmela, Eduardo Rafael, Iskra
* not pictured
Our members belong to the “ Señor Justo Juez” community bank, and live in the province of Cusco. The community bank is made up of 13 members, the majority of whom have an independent business, but in similar fields. Members’ meetings are held in the local office of the Arariwa Association.

Our members alternate between household duties and the sales of handicrafts, food, cosmetics, building materials, bulk grains, etc. Many have their own sales location, such as a market, restaurant, grocery store, etc. Two members sell products to commercial stores. One member owns a grocery store where she sells rice, sugar, oil, etc. Another member has a small stall where she prepares and sells breakfast, lunch, and dinner.

The members are seeking a loan that will be used for working capital. With this they will increase their product lines, generate more sales, and achieve a better quality of life for their families. They value and are grateful for this loan, and promise to complete the payments on schedule.

(One member does not appear in the photograph. He asked the board of directors of the community bank for permission to be excluded because of health reasons.)

View original language description ↓
Nuestros socios, pertenecen al banco comunal “SEÑOR JUSTO JUEZ”, ellos viven en la provincia D. Cusco. El banco comunal esta conformado por 13 socios y la mayoría de ellos tienen un negocio independiente pero con actividades de trabajo similares. La reunión de las socias se hace en el local de la Asociación Arariwa.

Nuestros socios alternan sus diversas actividades D. hogar con la venta de artesanía, víveres, cosméticos, materiales de construcción, granos, etc. Una gran parte tiene su propio de local de venta como una ferretería, un restaurante, un abarrote, etc. Dos socias son promotoras de ventas de productos a tiendas comerciales. La socia Hermelinda tiene una tienda de abarrotes donde venden arroz, azúcar, aceite, etc. Una de las socias tiene un pequeño puesto de venta de comida y ella prepara desayuno, almuerzo y cena.

Los socios solicitan el préstamo para que lo utilicen como capital de trabajo y de esta manera incrementar sus productos y aumentar sus ventas, para dar mejor calidad de vida a sus familias.

Los socios valoran y agradecen el préstamo otorgado mediante este medio y así mismo se comprometen a cumplir con el pago de sus cuotas en el plazo establecido.

(El socio Washington no aparece en la fotografía porque pidió permiso a la junta directiva D. banco comunal por motivos de salud).

Additional Information

Important Information

About Asociación Arariwa
Asociación Arariwa is a large non-governmental organization that started offering microcredit in 1994 to improve the quality of life, skills and equity of the population in the rural Cusco region of Peru. Arariwa serves the southern Andean provinces of Peru, and is distinguished by its efforts to reach the very poor, who often live in isolated rural areas. Arariwa fosters village banking, supports savings accounts, promotes access to education, and empowers women entrepreneurs (who make up 78% of its borrowers).

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Peru

  • $6,715
    Average annual income
  • 109
    View loans »
    Peru Loans Fundraising
  • $56,813,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Señor Justo Juez Group's $4,650 loan helped a member working capital to increase sales.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Nov 11, 2009
Nov 19, 2009
Currency Exchange Loss:
May 15, 2010