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Zulma is 32 years old and has two children. She is a responsible, friendly, and hardworking person. Because of these qualities, she was invited to participate in the Communal Bank “Nueva Luz de Echarate” (New Light of Echarate), which is part of Asociación Arariwa. Zulma was born in the city of Quillabamba, La Convención, Cusco. She currently lives in the city of Echarate, where she has developed her business activities.

Zulma sells mate, hamburgers, and food as a street vendor. She has been in business for three years and has done very well. Zulma works every day from 9am to 4pm. She is taking this opportunity to request a loan to buy chairs, tables, cutlery, supplies, and other items. Her dream is to complete the opening of a restaurant.

The city of Echarate is the capital city of the District of Echarate in La Convención Province. It is an important center of commerce for the Lares and La Convención Valleys. The main business activities involve the production of coca leaves, coffee, cacao, and fruit.

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Zulma tiene 32 años edad y tiene dos hijos. Ella es una persona responsable, amable y trabajadora y por esas cualidades le invitaron a participar en el banco comunal “Nueva Luz de Echarate” de la Asociación Arariwa. Zulma nació en la ciudad de Quillabamba (La Convención, Cusco). Actualmente, Zulma vive en la ciudad de Echarate y donde realiza sus actividades económicas.

Zulma se dedica a la venta de mates, hamburguesas y comida de forma ambulatoria. Ya son tres años que se dedica a este negocio y le va muy bien. La socia trabaja desde las 9 de la mañana hasta las 4 de la tarde todos los días. En esta oportunidad Zulma requiere el préstamo para comprar sillas, mesas, cubiertos, insumos y otras cosas más. Su sueño de Zulma es completar de abrir un restaurante.

La ciudad de Echarate es la ciudad capital del distrito de Echarate de la Provincia de La Convención e importante centro de comercio de las valles de Lares y La Convención, las actividades principales son la producción de coca, café, cacao y frutales.

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
  • 108
    View loans »
    Peru Loans Fundraising
  • $59,068,450
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Zulma to purchase chairs, tables, cutlery, supplies, and other items.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 14, 2011
Jul 23, 2011
Currency Exchange Loss:
Feb 15, 2012