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Graciela is a native of the city of Urcos in the Quispicanchis province of the department of Cusco. She belongs to the communal bank "Qori Orcco," which is part of the Arariwa Association. The name of the bank has its origin in the Quechua language and translated into Spanish, means "Cerro de Oro" (Golden Hill).

Graciela is 43 years old, married and has 5 children that are dependent upon her: Kelly is 24 and studies hotel administration in the Instituto Superior, Anali is 23 and studies in the Instituto "San Rosa" to become a teacher, Jonatan is 17 and studies in the pre-entrance program of the National San Antonio Abad del Cusco University, Libeth and Roxana study in school.

Graciela alternates her activities in the home with her business selling bread. She has her own stand in the vicinity of the Plaza de Armos in Urcos. She tells us that from the time that she was very young she sold bread along with her mother from 4am until 9pm every day, but now she is independent. She rents an oven with a number of business partners and there she makes her own bread. Two years ago, she and her partners had the idea to make a special bread that they call "chuta navideña" that has the same characteristics of the chuta bread (a bread typically sold in Cusco that is soft and round and very large and has a characteristic aroma) but they add fruit and raisins. She has had her business selling chuta bread for a number of years now, and it has gone very well, thanks to all of the effort that she puts into her work. She is an enterprising and hardworking woman who, in spite of the difficulties in life, is managing to help her children become professionals. She needs a loan to buy more supplies such as flour, sugar, butter, fruit and raisins to prepare the chutas navideñas for the Christmas festivities, since this is the season when she can increase her sales.

She is very grateful for the opportunity provided through these means, and pledges to make her payments on time.
View original language description ↓
La socia es natural de la ciudad de Urcos de la provincia de Quispicanchis del departamento del Cusco y pertenece al Banco Comunal “Qori Orcco” de la Asociación Arariwa. El nombre del banco es de origen de la lengua Quechua que traducido al español significa “Cerro de Oro”.

Nuestra socia GRACIELA tiene 43 años, es casada y tiene cinco hijos que todavía dependen de ella: Kelly tiene 24 años y estudia en un Instituto Superior la carrera profesional de Administración de Hotelera, Anali tiene 23 años y estudia en el Instituto “San Rosa” para ser docente en educación, Jonatan tiene 17 años y estudia en el programa de pre ingreso a la Universidad Nacional San Antonio Abad del Cusco, Libeth y Roxana estudian en el colegio.

La socia alterna sus actividades del hogar con el negocio de venta de pan. La socia tiene su propio puesto de trabajo en los alrededores de la plaza de armas de Urcos. Ella nos cuenta que desde muy niña a lado de su mamá vendía pan desde las 4 a.m. hasta las 9 p.m. todos los días pero ahora ella es independiente. Ella alquila un horno con varias compañeras de negocio y ahí preparan sus propios panes. Ella y sus compañeras desde hace 2 años atrás se les ocurrió crear un panteón especial que lo llamaron “chuta navideña” que tiene las mismas características del pan chuta (Pan redondo blando con un olor peculiar y es un pan gigante) pero le agregaron pasas y frutas. Ya son varios años que tiene el negocio de venta de panes chuta y le ha ido muy bien, gracias a todo el empeño que pone en su trabajo. Nuestra socia es una mujer trabajadora y emprendedora que a pesar de las adversidades de la vida esta sacando profesionales a sus hijos. La socia requiere el préstamo para comprar mas insumos como harina, azúcar, manteca, frutas y pasas para preparar las “chutas navideñas” para estas fiestas navideñas ya que por estas épocas es donde se vende más.

La socia se encuentra agradecida por la oportunidad brindada mediante este medio y así mismo se compromete a cumplir con el pago correspondiente al cronograma.

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).

About Peru

  • $12,000
    Average annual income
  • 96
    View loans »
    Peru Loans Fundraising
  • $57,954,100
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Graciela to buy supplies such as flour, sugar, butter, fruit and raisins to prepare the “chutas navideñas” for the Christmas festivities.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 14, 2009
Dec 21, 2009
Currency Exchange Loss:
Jul 15, 2010