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Reyna Del Carmen Group
In this Group: Cristina, Nelida, Dora, Olga Livia, Carlos, Javier*, Clark Esteban, Livia, Justina, Arnold Jhoe*
* not pictured
These members belong to the "Reyna del Carmen" communal bank, located in the Cusco district in the province and department of Cusco.

Cristina is forty-six, lives with her partner, has four children, and has a ceviche business. She sells ceviche, a fish dish, from her mobile cart. She works from 8AM until 6PM. The business helps her bring success to her children. Cristina's dream is to have a large locale where she can sell her ceviche. She is seeking a loan to buy cooking supplies including fish, vegetables, and plates.

Other members' businesses include a restaurant, shoe sales, hotel management, taxi service, a grocery store, and chicken farming.

Cristina is grateful to those who are part of this dream and she promises to make all of her payments in full and on time.
View original language description ↓
Los socios pertenecen al banco comunal “REYNA DEL CARMEN”; Este banco se ubicada en el distrito de Cusco, perteneciente a la provincia de Cusco y departamento de Cusco.

La socia es la Sra. Cristina; ella es conviviente y tiene 46 años y tiene 4 hijos; La socia trabaja con su negocio de cevicheria, ella tiene un puesto donde vende ceviche que es un plato a base de pescado, ella vende en forma ambulatoria, la socia atiende desde las 8:00 a.m hasta las 6:00 p.m, por medio de este negocio la socia saca adelante a sus hijos, el sueño de la socia es tener un local grande para que pueda vender el ceviche. La socia solicita el préstamo para comprar productos para cocinar como pescado, verduras y platos.

Los otros socios se dedican al negocio de restaurant, negocio de venta de zapatos, negocio de hotelería, negocio de servicio de taxi, negocio de tienda de abarrotes y negocio de crianza de pollos.

La socia agradece a quienes forman parte de este sueño mediante este medio y se compromete a cumplir con el pago de sus cuotas en el plazo establecido.

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 Reyna Del Carmen Group's $3,825 loan helped a member to buy cooking supplies including fish, vegetables, and plates.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 9, 2011
Dec 13, 2011
Currency Exchange Loss:
May 15, 2012