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Qapac Qolla Group
In this Group: Vanessa , Jose Luis , Jaime *, Juan, Damiana, Haydee, Sandra, Andrea Faustina, Vicentina , Livia , Natividad
* not pictured
Natividad is a member of the Communal Bank “Qapac Qolla” which is located in the District and Province of Anta, Department of Cusco.

She is 49 years old, in a common-law relationship, and has two children. Natividad divides her time between her daily activities and her business of buying and selling clothes. She sells trousers, sweaters, jackets, pullover shirts, and other items. Natividad enjoys managing her business and has done very well thanks to the effort she puts into her work each day. She delivers the merchandise to friends and relatives who have placed orders. Natividad works independently. She is a responsible and industrious individual who strives to move her family forward.

Natividad is requesting a loan to buy merchandise, such as jackets. The other members engage in businesses such as buying and selling livestock, raising animals, selling fruit, selling shoes, selling clothes, farming, and sewing. The members who appear in the smaller attached photo received permission to arrive late to the meeting because of their work.

Natividad is grateful for the loan she has received and promises to complete her payments according to the established terms.

View original language description ↓
La socia pertenece al banco comunal QAPAC QOLLA; este banco está situado en el distrito de Anta en la provincia de Anta departamento de Cusco.

La socia Natividad , la socia tiene 49 años de edad, conviviente y tiene 02 hijos, la socia alterna sus actividades diarias con el negocio de compra y venta de ropa ,la socia vende lo que son pantalones, chompas, casacas,polos entre otros, la socia lleva buen tiempo en este negocio el cual le va bien gracias al empeño que le pone a su negocio cada dia,la socia distribuye su mercadería a sus amistades y familiares que le solicitan ella trabaja de forma independiente ,la socia es una persona responsable y empeñosa siendo de esta forma que la socia saca adelante a su familia.

La socia solicita el préstamo para la compra de mercadería como casacas.

Los otros socios se dedican al negocio de compra y venta de ganados, crianza de animales, venta de fruta, venta de zapatos, venta de ropa, agricultura, costureria.

Los socios que salen en la foto adjunta 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
  • 116
    View loans »
    Peru Loans Fundraising
  • $60,091,700
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Qapac Qolla Group's $4,000 loan helped a member to buy jackets and other merchandise.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 23, 2012
Sep 21, 2012
Currency Exchange Loss:
Apr 17, 2013