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Julia Ay
Julia is a 58-year-old married woman. She is part of the “Unidos para el Truinfo” community bank, a name that translates to “United for Triumph”. She and her husband have three adult children who all have families of their own and no longer live with their parents. Julia has supported herself and her family for years working in the candle business. She sells candles in a shop that she has owned and operated for over fifteen years.

Julia is asking for a Kiva loan to buy materials to make candles so that she can increase her revenue. She is appreciative of and thankful for the loan, and promises to pay the monthly payments on time.

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
  • 114
    View loans »
    Peru Loans Fundraising
  • $59,072,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Julia Ay candles.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Mar 26, 2010
Apr 10, 2010
Currency Exchange Loss:
Aug 15, 2010