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Update on Justina

Justina continues to manage her business of selling construction materials. She has grown tremendously and has frequent customers. On this occasion, she wants to invest a loan in the purchase of materials such as sand, cement, gravel, and other products so that she can keep her business in operation and improve her sales.

Justina wants to grow even more so that she can become a wholesaler. This will help her to develop financially and provide a better quality of life.

View original language description ↓
La socia Justina continua administrando su negocio de venta de materiales de construccion, la socia ha crecido mucho y tiene sus clientes frecuentes y en esta ocasion la socia desea invertir el credito en la compra de materiales como arena, cemento, cascajo, entre otors para implementar su negocio y mejorar sus ventas ella desearia crecer aun mas y poder ser mayorista esto le daria mas desarrollo economico y mejor calidad de vida.

Previous Loan Details

The member belongs to the "Juntas y Unidas" community bank. This bank is located in the district of Huanchac, a province of Cusco, in the department of Cusco. The member is Justina. The member is married, is 46 years old and has three children who are 29, 24, and 10 years of age. The member is... More from Justina's previous loan »

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).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Peru

  • $12,000
    Average annual income
  • 116
    View loans »
    Peru Loans Fundraising
  • $60,105,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Justina to buy sand, cement, gravel, and other products.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 27, 2011
Nov 10, 2011
Currency Exchange Loss:
Mar 15, 2012
This photo was used before for a previous loan for Justina. It was first posted on Kiva on Mar, 2011. Learn More