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Los Emprendedores Group
In this Group: Walter , Nico Gudiel, Aydee Alina, Reyna , Frens Frederick, Rivelino , Yoshimar, Miluska Susana*, Wendy Flor, Maria Mercedes, Sandra *
* not pictured
Aydee belongs to the communal bank LOS EMPRENDEDORES, which is situated in the district of Wanchaq in the department of Cusco. She has a business selling beauty products such as colognes, perfumes, creams and other items. She sells her products from door to door to her friends and relatives. She also is employed as a supervisor in a private company, where she works from Monday through Friday during business hours. She is a very responsible and diligent person and his highly motivated to keep working for her family.

She is seeking this loan so that she can buy colognes for her business. The other members of the communal bank sell beauty products, raise livestock, and work in private companies. Some are university students. The people in the small photograph in the corner are members who asked for permission to come late to the meeting for work-related reasons.

Aydee is grateful for the loan opportunity and promises to repay her loan according to the agreed-upon schedule.
View original language description ↓
La socia pertenece al banco comunal LOS EMPRENDEDORES; este banco está situado en el distrito de Wanchaq en la provincia de Cusco departamento de Cusco.

La socia Aydee alterna sus actividades diarias con el negocio de venta de productos de belleza como colonias, perfumes, cremas entre otros, la socia vende de forma ambulatoria a sus amistades y familiares, la socia a la vez trabaja en una empresa privada de supervisora, la socia trabaja de lunes a viernes durante el dia, la socia es una persona responsable y empeñosa con muchas ganas de continuar trabajando por su familia.

La socia solicita el préstamo para la compra de colonias para su negocio.

Los otros socios se dedican a la ganadería, venta de productos de belleza, trabajan en empresas privadas, estudiantes universitarios.

Las personas que salen adjuntas en la foto son socios que pidieron permiso para llegar tarde a la reunión por motivos de trabajo.

La socia se siente agradecida por el crédito otorgado y se compromete a cumplir con sus cuotas establecidas.

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).

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
  • 170
    View loans »
    Peru Loans Fundraising
  • $60,197,200
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Emprendedores Group's $4,450 loan helped a member to purchase colognes for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 5, 2012
Jul 19, 2012
Currency Exchange Loss:
Feb 15, 2013