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The member belongs to the communal bank “MUJERES UNIDAS”. This bank is located in the district of San Jeronimo in the province of Cusco in the department of Cusco.

The member is Senora Zulma. She is 40 years old. She has partner and 4 children. The member buys and sells beauty products by catalogue. The member places orders that she receives from her friends and clients on a first-order basis with her sales representatives. The member distributes her catalogues to various institutions and collects them after a couple of days with the names of the customers and their orders. She delivers the orders within 15 days of the orders being placed at which time the customers pay half the amount owed and the balance at month end. The member wants the loan to invest in the purchase of beauty products. On this occasion she will buy beauty products that are on offer and offer them for sale. The member is asking for the loan to invest in the purchase of beauty products on offer wholesale for resale.

The member is grateful for the support given her and as such agrees to make her repayments in a disciplined manner.
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La socia pertenece al banco comunal “MUJERES UNIDAS”; el banco se encuentra ubicado en el Distrito de San Jeronimo en la Provincia de Cusco y Departamento de Cusco.
La socia es la Sra. Zulma, la socia tiene 40 años de edad, la socia es conviviente y tiene 4 hijos; la socia se dedica a la compra de productos de belleza por catalogo y a la venta de los mismos, la socia hace pedidos a sus representantes según el orden de pedidos de sus catálogos que le hacen sus amistades y clientes, la socia reparte sus catálogos a las diferentes instituciones y recoge en un par de días los clientes anotan con sus nombres lo que desean y ella les trae al cabo de 15 días, luego de esto, los clientes le pagan la mitad y la siguiente parte le dan a fines del mes, la socia desea el crédito para invertir en la compra de productos de belleza, ella en esta ocasión comprara productos de belleza en oferta y los pondrá a la venta. La socia solicita el préstamo para invertir en la compra de productos de belleza en oferta al por mayor para la venta.

La socia agradece el apoyo que se le otorgara y así mismo se compromete a cumplir de manera disciplinada con los pagos de las cuotas.

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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
  • 94
    View loans »
    Peru Loans Fundraising
  • $57,998,275
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Zulma to buy beauty products on offer wholesale for later resale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Sep 15, 2011
Sep 26, 2011
Currency Exchange Loss:
Feb 15, 2012