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Julia
An intimidating horD. of barking dogs greets strangers at the door to Julia’s home in Ayacucho, Peru. A hardworking mother of 12, Julia knows how to handle the pack, using harsh words and even sticks when the need be. Her sturdy build and serious features mask a gentle, mothering woman who is both business savvy and nurturing, depending on the circumstance.


Julia speaks only Quechua, the native language of the indigenous Andean people. Every week she travels 13 hours in a crowded truck into the rural zones of Peru. She then spends three days gathering cactus and other plant material to haul home in large burlap sacks. She then dries the moisture from the plants, to produce a natural pigment used to color fabric, yarn, and is even used for hair dye. Julia then sells this pigment to customers who travel 8 hours from Lima to make the purchase, which they know is of a reliable, high quality.


Julia hopes to receive a loan of $500, which she will use to purchase larger quantities of the raw material. She will also use part of the money to help her daughter, who has just started a small business drying animal hides for leather, which will be processed and sold for shoe production.


Julia belongs to a village bank called “Amauta Huamanga” where she friends in the same situation as hers, like Josefa Quispe, who is also a business woman who hopes to receive a US$ 700 loan. Both, Julia and Josefa are expecting together a total loan of US$ 1,200

Additional Information

About FINCA Peru

This loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.

In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.

About Peru

  • $12,000
    Average annual income
  • 93
    View loans »
    Peru Loans Fundraising
  • $57,986,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD