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Siempre Unidos Group
In this Group: Laura, Estherlin Ericka, Belisario, David Jesus*, Victor Enrique, Gloria Elena, Elsa, Juan Daniel, Juan, Yenny Margot, Gloria, Luzgarda
* not pictured

Update on Siempre Unidos Group

The communal bank ‘Siempre Unidos’ was formed by a group of neighbours in the district of Cusco. This bank is made up of twelve people who are always on the lookout for opportunities to get ahead and who work to give their children a better future. The members’ economic activities include selling mobile phones, cosmetics, food, tickets for tourists, natural drinks and clothes. Other members provide services.

Laura, who is the woman holding up her hand in the photo, was born in the city of Puerto Maldonado but she currently lives in the beautiful city of Cusco. She is 55 years old and a single mother of five. Her main economic activity consists in selling food – she has a small restaurant. Laura needs a loan to buy ingredients such as meat, potatoes, sacks of rice, vegetables, sacks of sugar, oil etc.

The groups’ members are grateful for the opportunity they have been given and are committed to making their various payments on time.

Cusco is part of the district of Cusco, situated in the southern Cusco province at the heart of an ancient Inca city. It is an area popular with tourists due to its archaeological sites, its historic centre, its landscape, its history and also due to the fact that it is a delightful city. Cusco is known for being a tourism and business hub. The city is also famous for its traditional ‘Inti Raymi’ festival and its proximity to one of the seven wonders of the world, ‘Machu Picchu’.
View original language description ↓
Un grupo de vecinos y amigos formaron el banco comunal “Siempre Unidos” en el distrito del Cusco. Este banco comunal está conformado por doce personas que buscan a cada momento las oportunidades para salir adelante y con su esfuerzo diario entregar un mejor futuro a sus hijos. Las actividades económicas de los socios son por ejemplo; venta de celulares, venta de cosméticos, venta de comida, venta de boletos turísticos, venta de bebidas naturales, venta de ropa y otros brindan servicios.

(La señora Laura está levantando la mano en la fotografía). La socia Laura nació en la ciudad de Puerto Maldonado pero actualmente vive en la hermosa ciudad del Cusco, tiene 55 años de edad, es madre y soltera y tiene cinco hijos. Su actividad económica principal de Laura es la venta de Comida y tiene un pequeño restaurante. En esta oportunidad Laura requiere el préstamo para comprar insumos como por ejemplo carne, papa, sacos de arroz, verduras, sacos de azúcar, aceite y otras cosas más.

Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos.

Cusco está ubicado en el distrito y provincia del Cusco del departamento del Cusco en pleno corazón de la antigua ciudad de los Incas y se caracteriza por ser una zona turística por sus centros arqueológicos por su centro histórico por sus paisajes por su historia y siendo una ciudad encantadora de la Región del Sur del país. Cusco es conocido por ser una zona muy turística, comercial, por su fiesta tradicional del Inti Raymi y porque se encuentra una de las siete maravillas del mundo “Machupicchu”.

Previous Loan Details

The people in the photo are members of the “Siempre Unidos” Communal Bank. This bank is located in the district of Cusco, belonging to Cusco Province in Cusco Department. Sra. Ericka is featured here. She has lived with her partner for 30 years and has three children. She has a business sellin... More from Siempre Unidos Group'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.

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
  • 155
    View loans »
    Peru Loans Fundraising
  • $60,187,950
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Siempre Unidos Group's $3,250 loan helped a member buy ingredients such as meat, potatoes, sacks of rice, vegetables, sacks of sugar, oil etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 12, 2012
Apr 23, 2012
Currency Exchange Loss:
Sep 15, 2012