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Update on Marcelina

Our member, Marcelina, belongs to the Siempre Juntos community bank in the Peruvian "departamento" of Cusco. She is still working as an assistant at a veterinary clinic. She is applying for a loan that she will use to stock her retail business with the merchandise she sells: injections, feed, vitamins, etc.

Marcelina is grateful for your help and committed to repaying this loan in the agreed-upon time.
View original language description ↓
La socia Marcelina sigue perteneciendo al banco comunal “Siempre Juntos” y el banco comunal está ubicado en el distrito de Cusco de la provincia del Cusco y del departamento de Cusco. La socia Marcelina sigue trabajando en la veterinaria como asistente. La socia Marcelina solicita el préstamo para comprar materiales de trabajo ósea va comprar inyectables, alimento, vitaminas y otras cosas más.

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

Previous Loan Details

Marcelina is a member of the “SIEMPRE JUNTOS” [“Always Together”] communal bank. The bank is located in the district of Cusco, which is part of the province and department of Cusco. Marcelina is 33 years old and single. She alternates her daily activities with her job as a veterinarian’s ass... More from Marcelina'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
  • 100
    View loans »
    Peru Loans Fundraising
  • $57,945,600
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Marcelina to stock her retail business.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 11, 2012
Jun 22, 2012
Currency Exchange Loss:
Nov 15, 2012
This photo was used before for a previous loan for Marcelina. It was first posted on Kiva on Feb, 2012. Learn More