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Update on Jhoyse

Jhoyse is 31 years old, she is married and she has 3 children. Before, she worked selling children's clothes but the business did not do very well and she decided to open a bakery where she sells panetones. She is currently engaged in selling panetone bread: she runs a bakery where she sells bread and pastries, and in this time of the year she sells panetone bread. She works from 7 am to 6 pm, and she hopes that thanks to her activity she will be able to own a bigger place for her bakery. She is requesting a loan to buy ingredients to prepare panetone bread such as flour, butter, sugar and raisins at wholesale price.

She is thankful for the loan provided and she commits to comply with repaying her dues according to the planned schedule.
View original language description ↓
La socia es la Sra. Jhoyse; tiene 31 años de edad, y es casada y tiene 3 hijos; La socia anteriormente se dedicaba al negocio de venta de ropa para niños pero no le fue muy bien eb este negocio y dedicio abrir una panaderia y venta de panetones,ella tiene una panaderia donde vende panes y pasteles en esta epoca del año vende panetones y lo vende al por mayor a las diferentes tiendas que venden panetones,la socia trabaja desde las 7:00 a.m hasta las 6:00 p.m,por medio de este negocio,el sueño de la socia es tener un local mas grande para su negocio de panaderia . La socia solicita el préstamo para comprar insumos para preparar los panetones como harina,mantequilla,azucar y pasas al por mayor.

La socia agradece el préstamo solicitado y se compromete a cumplir con el pago de sus cuotas en el plazo establecido.

Previous Loan Details

The member belongs to the “SR DE COYLLORITTY CACHIMAYO” communal bank. The bank is located in the district of Cachimay, part of Anta province and the department of Cusco. The member is Sra. Jhoyse, age 30. She is married and has 3 children. She divides her time between her daily household ... More from Jhoyse'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
  • 118
    View loans »
    Peru Loans Fundraising
  • $60,083,400
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Jhoyse to buy ingredients to prepare panetone bread such as flour, butter, sugar and raisins at wholesale price.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 22, 2011
Jan 1, 2012
Currency Exchange Loss:
May 15, 2012