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Our member Esther is 29 years old; she has a daughter who is 1 year and 4 moths old and her name is Azumi Nahomi. Esther is originally from the city of Urcos, province of Quispicanchis, department of Cusco and she belongs to the Community Bank “Qori Orcco” of the Arariwa Association. The city of Urcos is located 45 Km from the city of Cusco, approximately 45 minutes of travel time.

Esther gets up early to do her household activities such as preparing breakfast for her husband and tending to her daughter. After she is done with her household activities, Esther has to go sell bread at Plaza De Armas (parade grounds) in the city of Urcos. She and her business partners of 2 years now came up with the idea to create a special bread that they called “chuta navideña” which has similar characteristics to the chuta bread (a round, soft bread with a particular aroma and of giant size; traditional bread from the city of Urcos) but they added raisins and fruits. Esther and her business partners only make the “chuta navideña” bread for the Christmas festivities. She is requesting a loan to buy more consumables such as flour, sugar, lard, fruits and raisins to make “chutas navideñas” for this Christmas and New Year, since it is during this season when they sell the most.

Esther is grateful for the opportunity afforded by this channel and she is committed to make the payments according to the established time line.
View original language description ↓
Nuestra socia Esther tiene 29 años y tiene una hija de un año y 4 meses y se llama Azumi Nahomi. La socia Esther 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. La ciudad de Urcos se encuentra a 45 Km. de la Ciudad del Cusco aproximadamente a 45 minutos de viaje.

La socia se levanta muy temprano para hacer sus actividades del hogar como por ejemplo preparar desayuno para su esposo y atender a su hija. La socia después de hacer sus actividades del hogar tiene que ir a vender pan a la Plaza de Armas de la ciudad de Urcos. Ella y sus compañeras de negocio desde hace 2 años atrás se les ocurrió crear un pan 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, pan típico de la ciudad de Urcos) pero le agregaron pasas y frutas. La socia y sus compañeras de negocio solo preparan este pan “Chuta navideña” para las fiestas de navidad. La socia requiere el préstamo para comprar mas insumos como harina, azúcar, manteca, frutas y pasas para preparar las “chutas navideñas” para esta navidad y año nuevo 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.

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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
  • 159
    View loans »
    Peru Loans Fundraising
  • $60,197,800
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Esther buy more consumables such as flour, sugar, lard, ruits and raisins.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 11, 2009
Dec 28, 2009
Currency Exchange Loss:
Jul 15, 2010