She is 34 years old, in a common law marriage, and has two children. Vilma earns her living by producing trinkets by hand and selling them. She has been selling all kinds of trinkets for four years. Her work involves making necklaces, earrings of quartz and stones, and colorful bracelets with bright finishes and ornate decorations. Vilma needs a loan to buy materials for making her creations such as thread, wire, beads, stones, hooks, miniature chains, and other supplies. Therefore, she is requesting a loan to invest in the purchase of these materials for her work so that she can continue to grow her business.
The other members of the Communal Bank engage in selling homemade meals, school tranportation, masonry, providing taxi services, carpentry, selling groceries, and operating a bazaar and bookstore.
Sra. Vilma is extremely grateful for the loan and promises to complete her payments in a disciplined manner.
La socia pertenece al banco comunal “VALLECITO”; Este banco está ubicado en el Distrito de Huanchac, provincia de Cusco y departamento de Cusco.
La socia es la Sra. Vilma: es conviviente y tiene 34 años de edad; la socia tiene 2 hijos; la socia se dedica a la realización de bisutería, ella elabora a mano y los vende, la socia trabaja vendiendo todo tipo de bisutería desde hace 4 años, la socia realiza trabajos como collares, aretes de cuarzo y piedras, pulseras de colores y con acabados lindos y bien decorados. L a socia desea el crédito para poder comprar materiales para la elaboración de sus trabajos ella compra desde hilos, alambres, mostacillas, piedras, ganchitos, cadenetas, y mucho más para realizar los diferentes trabajos. La socia solicita el préstamo para invertir en la compra de materiales para realizar sus trabajos y continuar con el crecimiento de su negocio.
Los otros socios del banco comunal se dedican a la venta de comidas caceras; movilidad escolar; albañiles, taxista; carpintero; tienda abarrotes; bazar- librería.
La socia está muy agradecida por el préstamo y se compromete a cumplir con los pagos de dicho préstamo de forma disciplinada.
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