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Juntos Podemos Group
In this Group: Matilde , Xioumara , Lourdes, Cerafina , Cleofe , Teofilo , Mery , Marilyn , Avidan Elisa, Jessica Elizabeth
The 'Juntos Podemos' (Together We Can) community bank is located in Huanchac district, in Cusco province and department.

One of the group's members is 36 year-old Xiomara. She is married and has 3 children. She lives in San Sebastián and works buying and selling fruit. She stocks her business from the suppliers who bring fruit from the valley and goes to the bus stop to buy her produce wholesale. She then sells her produce retail. She has been in this business for 13 years. Xiomara would like to have some capital for this season. Her produce is running out and she also owes a supplier an outstanding balance if she is to acquire more fruit. She will pay her outstanding balance and re-stock her business with seasonal fruit. She is requesting this loan to buy fruit and pay her debt to her supplier.

The other members of the group buy and sell clothes, toys, fruit, food and cheese. They are all requesting a loan to have capital for the month of December so that they can buy new merchandise.

The group's members are grateful to those who will take part in their dream by funding their loan and they pledge to make their repayments in a timely manner.
View original language description ↓
Los socios pertenecen al banco comunal “JUNTOS PODEMOS; Este banco se ubicada en el distrito de Huanchac, perteneciente a la provincia de Cusco, departamento de Cusco.

La socia es la Sra. Xiomara; la socia tiene 36; ella es casada y tiene 3 Hijos; la socia vive en San Sebastián; La socia trabaja comprando y vendiendo frutas, ella se abastece de los proveedores que traen la fruta del valle y va hasta la parada de buses a comprar al por mayor y luego ella vende al por menor; la socia trabaja es este tipo de comercio desde hace 13 años. La socia desea poder tener un capital para esta temporada y ella está terminando su mercadería y también debe a un proveedor un saldo pendiente para que pueda adquirir nueva mercadería de frutas. La socia pagará un saldo pendiente y se abastecerá de un nuevo requerimiento de frutas de la estación. La socia solicita el préstamo para comprar y saldar una deuda con su proveedor.

Los otros socios se dedican la compra y venta de ropa, de juguetes, de frutas, venta de alimentos, venta de quesos y todos ellos solicitan el préstamo para hacer de este un capital para este mes de diciembre y poder tener mercadería nueva.

La socia agradece a quienes forman parte de este sueño mediante este medio y se compromete a cumplir con el pago de sus cuotas en el plazo 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
  • $58,953,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Juntos Podemos Group's $1,650 loan helped a member to buy fruit and settle an outstanding debt with her supplier.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 6, 2010
Dec 7, 2010
Currency Exchange Loss:
May 15, 2011