Sr.de Torrechayoc - Mototaxistas Group
Juana is 23 years old and lives with her cohabitant and two children, in the Pintacha neighborhood of Urubamba. She works in a factory where they make fried pork rinds, helping with domestic chores. Little by little she was able to save up her salary, and with great effort, and thanks to this [communal] bank, she was able to buy a moto-taxi and put it into service. She leases out her vehicle and manages the profits that are left, after paying the driver his portion. This provides her with a daily income. In the future she will buy another unit, but in the mean time she continues working in the factory and managing her moto-taxi.
She must perform maintenance on her vehicle in order to keep it operating and must also pay for fuel for the next cycle. She is requesting this loan so that these expenses will not affect her daily income and so that she can begin a new stage of work.
The other members are also moto taxi drivers and they drive the vehicles. In the case of the gentlemen, they also own their vehicles. This same group also sells vegetables and Justina sells clothing.
Our associate is grateful and values the loan provided through this means and is committed to making her payments on the established timetable.
La socia es la Sra. Juana; ella tiene 23 años de edad, es conviviente y tiene 2 hijos; La socia vive en Urubamba en el barrio tradicional de pintacha, ella se dedica a trabajar en una chichcarronería como ayudante en las labores domésticas y poco a poco ella ahorrado su sueldo con mucho esfuerzo y gracias a esta modalidad de banco ha podido comprar su moto taxi y ponerla al servicio público, ella trabaja alquilando su unidad vehicular y ella administra los ingresos de esta luego de pagar al chofer su parte de ganancias ella tiene su ingreso diario, la socia a futuro comprara otra unidad, pero mientras ella sigue laborando en la chicharronería y administrando su moto taxi, ella deberá hacerle mantenimiento a su unidad vehicular para dejarla operativa y con combustible para la siguiente jornada de este ciclo y desea el dinero para que no afecte su economía diaria. La socia solicita el préstamo para hacer el mantenimiento respectivo de su moto taxi y llenar el combustible para que comience una nueva etapa de trabajo.
Los otros socios son choferes de moto taxis ellos mismos manejan las unidades vehiculares y en el caso de los varones son propietarios de sus motos taxis; el mínimo grupo vende verduras y La socia Justina se dedica a la venta de ropas.
La socia agradece y valora el préstamo otorgado mediante este medio y del mismo modo se compromete en cumplir con el pago de sus cuotas en el plazo establecido.
Important InformationAbout 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.
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Success!! The loan was 100% repaid