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In the city of Calca, department of Cusco, there is a place known as the community of Arin. This location is known for it beautiful vistas, its gastronomy, and the quality of its people. This is where a group of residents formed the “Virgen Concebida de Arin” [Virgin Who Conceived of Arin] Communal Bank.

Josefa dedicates her time to selling vegetables and, also, to raising small livestock. She sells her production in various markets of different cities, including Calca, Urubamba, and Cusco. Since she was small, her parents taught her this work and now, she has her own lands which she farms with her spouse, and where, with much care, they sow vegetables, principally potatoes and corn, plus other vegetables.

The loan Josefa has requested will be used to buy more seeds. Josefa is a hard-working and careful woman who has always known how to get ahead, to improve her life, and to be able to obtain what she wants.
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En la ciudad de Calca del departamento del Cusco, Hay un lugar conocido como la comunidad de Arin este lugar es conocido por sus paisajes hermosas, por su gastronomía y por la calidez de su gente. Donde un grupo de vecinos formaron el Banco Comunal “Virgen Concebida de Arin”.

Josefa se dedica a la venta de verduras y también a crianza de animales menores y ella vende en diferentes mercados de los diferentes ciudades como Calca, Urubamba y Cusco. Desde muy pequeña sus padres le enseñaron esta labor y ahora ella tiene sus propias tierras en las que trabaja junto a su pareja, que con mucho esmero siembran hortalizas como por ejemplo papa, maíz y otras vegetales. El crédito que ha solicitado Josefa será destinado para comprar más semillas. Josefa es una mujer trabajadora y empeñosa que siempre ha sabido salir adelante para mejorar en la vida y poder tener lo que quiere.

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).

About Peru

  • $12,000
    Average annual income
  • 101
    View loans »
    Peru Loans Fundraising
  • $58,002,425
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Josefa to buy more seeds to plant.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 16, 2012
Jun 14, 2012
Currency Exchange Loss:
Dec 15, 2012