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El Surcador Group
In this Group: Isabel, Claudia, Rene*, Susana, Martha, Fortunata, Maria, Dionicia*, Leonor, Facunda, Criselda, Victoria, Ingrit Estefany
* not pictured
Mrs. Isabel was born in the city of Cusco and lives in the Panarhuaylla Community in the province of Anta. (Isabel is the one raising her hand in the photograph).

She has a common-law husband and four children (Ingrid, 19, José Ángel, 13, Evelyn, 12 and Yudith, 6). She is a hard-working, responsible mother who helps her children get ahead. She raises small animals such as pigs, chickens, and guinea pigs. She has always been involved in agriculture and grows corn, lima beans, quinoa, barley and wheat. For several years now she has been in this traD. which is going well thanks to her hard work.

Isabel belongs to the communal bank "El Surcador" and her first loan in the amount of 300 PEN was used to buy pigs. Now she wants to buy several more pigs which will cost between 300 and 500 PEN.

The members of the communal bank "El Surcador" meet every month in the Panarhuaylla Community. The bank is comprised of working entrepreneurs who look for every opportunity to get ahead and give their children a better future. Most of the members live in Panarhuaylla and their work involves sales of small animals such as guinea pigs, food sales, livestock farming, agriculture and crafts.

The Panarhuaylla Community is located an hour away from the city of Cusco. Cusco is known for its tourism, commerce and Inti Raymi traditional festivities and for being home to one of the Seven Wonders of the World: "Machupicchu".

(The member appearing in the lower part of the photograph arrived late for the meeting.)
View original language description ↓
La señora Isabel nació en la ciudad del Cusco y vive en la comunidad Panarhuaylla D. la provincia del Anta. (En la fotografía la señora Isabel está levantando la mano).

La señora Isabel tiene una relación D. unión libre y tiene cuatro hijos (Ingrid D. 19 años, José Ángel D. 13 años, Evelyn D. 12 años y Yudith D. 6 años), ella es una madre trabajadora y responsable que saca adelante a sus hijos, ella se dedica a la crianza D. animales menores como por ejemplo chanchos, gallinas y cuyes, ella desD. joven se dedica a la agricultura por lo tanto cultiva y siembra maíz, habas, quinua, cebada y trigo. Ya son varios años que se dedica a este negocio y le va muy bien gracias al empeño que pone en su trabajo.

La señora Isabel pertenece al banco comunal “El Surcador” y su primer crédito fue D. S/. 300 nuevos soles y lo invirtió en la compra D. chanchos. En esta oportunidad Isabel requiere el préstamo para comprar varios chanchos que cuesta aproximadamente entre S/. 300 a S/. 500 nuevos soles.

Las reuniones D. las socias del Banco Comunal “El Surcador” son cada treinta días en la comunidad D. Panarhuaylla. 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. La mayoría D. los socios viven en la comunidad D. Panarhuaylla y sus actividades económicas D. los demás socios son por ejemplo venta D. animales menores como cuyes, venta D. comida, ganadería, agricultura y artesanía.

La comunidad D. Panarhuaylla se encuentra ubicada a una D. hora D. la ciudad del Cusco.

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

(La socia que aparece en la parte inferior D. la fotografía llego tarD. a la reunión.)

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
  • 175
    View loans »
    Peru Loans Fundraising
  • $60,197,200
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of El Surcador Group's $2,775 loan helped a member to buy several pigs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 25, 2011
Sep 16, 2011
Currency Exchange Loss:
Mar 15, 2012