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Urpis  De  Confraternidad Group
In this Group: Esther, Alicia, Hilario, Dolores, Manuela*, Eleuteria, Daniel, Cirila, Faustina, Gregoria, Margarita, Ana Maria*
* not pictured
(In the photo, Esther is the one raising her hand).

Mrs. Esther was born in the city of Cusco (Peru) and she is 50. Currently, she lives in the same city in which she was born and where she now works. Esther is a hard-working, enterprising and responsible mother, who is getting her children ahead. Esther sells food in her small store located in her home in the highly populated district of Santiago, Cusco. She can be found in her business from Monday to Friday. On Saturdays, Esther sells food at the flea market in Cusco. She has had this business for several years and it is going very well for her thanks to the effort that she puts into her work. Now, Esther needs this loan to purchase merchandise such as bags of sugar and bags of rice.

The members of the "Urpis de Confraternidad" communal bank meet every thirty days in Cusco city. The communal bank is made up of people who are hard-working and enterprising, who are always looking for opportunities to get ahead and to offer a better future to their children through their daily efforts. The other members have various businesses such as, for example, selling groceries, selling food, selling hardware products, selling clothing, and selling juice.

Cusco is known for being a very touristy place, as well as being a commercial area. It is known for its traditional Inti Raymi fiesta, and because it is home to one of the seven wonders of the world, Machu Picchu.
View original language description ↓
(En la fotografía la socia Esther está levantando la mano).

La señora Esther nació en la ciudad del Cusco (Perú) y tiene 50 años de edad. Actualmente, Esther vive en la misma ciudad donde nació y donde desarrolla sus actividades económicas. Esther es una madre trabajadora, emprendedora y responsable que saca adelante a sus tres hijos, Esther se dedica a la venta de comestibles en su pequeña tienda que está ubicado en su domicilio en el populoso distrito de Santiago de la ciudad del Cusco. La pueden encontrar de lunes a viernes en su negocio. Esther los días sábados vende comida en el mercado ferial del baratillo de la ciudad del Cusco. Ya son varios años que se dedica a este negocio y le va muy bien gracias al empeño que pone en su trabajo. En esta oportunidad Esther requiere el préstamo para comprar mercadería como por ejemplo bolsas de azúcar y bolsas de arroz.

Las reuniones de las socias del Banco Comunal “Urpis de Confraternidad” son cada treinta días en la ciudad del Cusco. El banco comunal está conformado por personas que son trabajadores y emprendedores que buscan a cada momento las oportunidades para salir adelante y con su esfuerzo diario entregar un mejor futuro a sus hijos. Los demás socios se dedican a diferentes actividades económicas como por ejemplo venta de comestibles, venta de comida, venta de productos de ferretería, venta de ropa y venta de jugos.

Cusco es conocido por ser una zona muy turística, comercial, por su fiesta tradicional del Inti Raymi y porque se encuentra una de las siete maravillas del mundo “Machupicchu”.

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
  • 101
    View loans »
    Peru Loans Fundraising
  • $58,002,425
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Urpis De Confraternidad Group's $3,600 loan helped a member to purchase merchandise such as bags of sugar and bags of rice.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Aug 18, 2011
Aug 26, 2011
Currency Exchange Loss:
Jan 15, 2012