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Flora Virginia

Update on Flora Virginia

Flora Virginia was born in Arequipa Department and has been living in the city of Cusco for the last 30 years. She’s married and has three children. Flora Virginia is a teacher and has been teaching for the last 20 years; she does very well. She also sells teaching supplies like teacher’s guides, educational posters and other things. On this occasion, Flora Virginia needs the loan to buy teaching supplies like paper, markers, pencils, colored pencils and other things. Flora Virginia belongs to the “Luz del Sur” (Southern Light) communal bank and does well because she’s a responsible, punctual person.
View original language description ↓
La socia Flora Virginia nació en el departamento de Arequipa y desde hace 30 años que vive en la ciudad del Cusco, es casada y fruto de unión tiene tres hijos. La socia Flora Virginia es profesora y ya son 20 años que enseña y le va muy bien. La socia Flora Virginia también se dedica a la venta de materiales educativos como guías educativas, fichas educativas y otras cosas más. En esta oportunidad la socia Flora Virginia requiere el préstamo para comprar materiales de trabajo como papeles, plumones, lapiceros, colores y otras cosas más.

La socia Flora Virginia pertenece al banco comunal “Luz del Sur” y le va muy bien pues una persona responsable y puntual.

Previous Loan Details

Flora Virginia is 56 years old and married with three children aged twenty, thirty, and 32 years. She has thirty years of experience as a high school educator, teaching language and communications. Flora Virginia is one of twelve members of the village bank, “Luz del Sur,” located in the And... More from Flora Virginia'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
  • 130
    View loans »
    Peru Loans Fundraising
  • $58,884,300
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Flora Virginia to buy teaching supplies.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 15, 2012
Jul 19, 2012
Currency Exchange Loss:
Nov 15, 2012
This photo was used before for a previous loan for Flora Virginia. It was first posted on Kiva on Feb, 2012. Learn More