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Vilma Flora

Update on Vilma Flora

Vilma Flora continues to work in her business selling caramelized milk products and yogurt. She works independently, taking her products to various places. She works from 8:00 a.m to 6:00 p.m. Through this business, the borrower is helping her children get ahead in life. She would like to expand and improve her business selling milk-based sweets and yogurt. The borrower is requesting the loan to buy ingredients to make her products, such as milk, sugar and butter, on a wholesale basis.

The borrower is happy about the loan and is committed to making her payments as scheduled.
View original language description ↓
La socia Vilma Flora se sigue dedicando al negocio de venta de manjares y yogurt,ella trabaja en forma independiente llevando a diferentes lugares,la socia trabaja desde las 8:00 a.m hasta las 6:00 p.m,por medio de este negocio la socia saca adelante a sus hijos,la socia quiere ampliar y mejorar el negocio de venta de manjares y yogures.La socia solicita el credito para comprar insumos para hacer yogures como leche,azucar y mantequilla al por mayor.

La socia está feliz por el préstamo y se compromete a cumplir con los pagos de su cuota.

Previous Loan Details

The communal bank Vamos Juntas [Let's Go Together] meets every month in the city of Cusco. Cusco is known for being a heavily touristed area with a lot of commercial activity, and for its traditional Inti Raymi festivities, as well as for having one of the Seven Wonders of the World, Machupicchu.... More from Vilma Flora'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
  • 178
    View loans »
    Peru Loans Fundraising
  • $60,191,850
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Vilma Flora to buy ingredients to make milk-based sweets and yogurt, such as milk, sugar and butter, on a wholesale basis.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 23, 2011
Nov 25, 2011
Currency Exchange Loss:
Apr 15, 2012
This photo was used before for a previous loan for Vilma Flora. It was first posted on Kiva on Aug, 2011. Learn More