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San Rafael Group
In this Group: Gabriela , Gabriel *, Rina , Adeluz , Esther Barbarita , Edith , Maritza , Valentina , Dolores , Felix Timoteo , Fredy Humberto , Edit , Edith , Dani Damian , Jimmy
* not pictured
These members belong to the communal bank 'San Rafael'. There are 15 happy and hard-working members. They live in the city of Cusco and get together once a month in the Arariwa area, Huanchac department, in Cusco.

Dolores is 43 years old. She has 4 children - 22, 18, 16 and 12 years old. She alternates her activities in her home with her door to door phonecall service business, lending mobile phones and landlines. She deposits the money she earns in the bank and lives off the interest. Dolores recharges her 3 personal mobiles and rents them out at 50 céntimos per minute to all national destinations.

The other members mainly work with mobile to mobile calls, and landline calls from mobile phones. They are a group of friends who have the same purpose. One member, Gabriel, arrived after the photo was taken because he had permission and arrived late to the bank. For this reason he isn't in this photo.

The members are thankful for the loan and promise to continue meeting their debt repayments within the established time period.
View original language description ↓
Nuestros socios pertenecen al banco comunal “SAN RAFAEL”; Ellos son 15 miembros alegres y trabajadores; los socios viven en la ciudad del Cusco y se reúnen una vez al mes en el local de Arariwa en el distrito de Huanchac departamento de Cusco.

Nuestra socia es la Sra. Dolores, tiene 43 años de edad, tiene 4 hijos de 22, 18, 16, 12 años de edad la socia alternando sus actividades del hogar se dedica a prestar el servicio de llamadas a celulares y teléfonos fijos de forma ambulatoria, en el mercado de cascaparo y todo el dinero que ingresa ella lo deposita la banco a plazo fijo y vive de los intereses, Nuestra socia recarga sus 3 celulares personales y los alquila a 0.50 céntimos el minuto a cualquier destino nacional,

Nuestros otros socios se dedican en su mayoría a las llamadas de celular a celular y a las llamadas fijas desde celulares, son un grupo de amigos que tienen el mismo rubro. Nuestro socio el Sr Gabriel llegó después de la foto porque tenía permiso y llego atrasado al banco por lo que no aparece en este grupo.

Los socios agradecen el préstamo y se comprometen a seguir cumpliendo con el pago de sus deudas en el tiempo establecido.

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

  • $12,000
    Average annual income
  • 94
    View loans »
    Peru Loans Fundraising
  • $57,998,275
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of San Rafael Group's $3,450 loan helped a member recharge mobile phones.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 12, 2010
Apr 25, 2010
Currency Exchange Loss:
Sep 15, 2010