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Virgen Natividad Umanes Group
In this Group: Valentina , Juliana , Martina , Delia , Yobana , Elber Iverico , Ceferina , Percy , Yolanda
These borrowers belong to the Virgen Natividad Umanes Communal Bank. This bank is based in the district of Chinchero, belonging to Urubamba province and Cusco department.

One member, Martina, is 31 years old, in a common-law marriage, and has three children. She divides her time between her daily activities and her business selling food. She sells in an ambulatory manner at fairs and in one of the markets. She has been in this business for years and it is going well thanks to the dedication she puts into her work each day. At the same time, she raises small animals like guinea pigs and chickens. She raises these animals to later sell to customers who request them. Martina is a responsible and earnest woman who does this work in order to get her family ahead.

Martina is requesting a loan to buy ingredients for her business like rice, oil, and mixed vegetables.

The other members sell dried grains, work in agriculture, make knit goods, raise animals, or work in masonry.

The members who are in the separate photographs requested permission to arrive late to the team meeting and the woman in the main photo with her face covered does not belong to this communal bank.

Martina thanks all those who, in this manner, form part of her dream, and she promises to comply with her repayments according to the established terms.
View original language description ↓
Los socios pertenecen al banco comunal “VIRGEN NATIVIDAD UMANES”; Este banco se ubicada en el distrito de Chinchero, perteneciente a la provincia de Urubamba y departamento de Cusco.

La socia es la Sra. Martina ella es conviviente y tiene 31 años y tiene 3 hijos; La socia alterna sus actividades diarias con el negocio de venta de comida, la socia vende de forma ambulatoria en las ferias y en uno de los mercados, la socia lleva años en este negocio el cual le va bien gracias al empeño que le pone cada día a su negocio, la socia a la vez se dedica a la crianza de animales menores como cuyes y gallinas, la socia cría a estos animalitos para luego venderlos a sus clientes que más le solicitan ,la socia es una persona responsable y empeñosa siendo de de esta forma que la socia saca adelante a su familia.

La socia solicita el crédito para la compra de insumos como arroz, aceité y menestras para su negocio.

Los otros socios se dedican a la venta de granos secos, agricultura, elaboración de tejidos, crianza de animales, albañil.

Los socios que salen en la foto adjunta son socios que pidieron permiso para llegar tarde a la reunión de equipo y la socia que sale en la foto con la cara tapada no pertenece al banco comunal.

La socia agradece a quienes forman parte de este sueño mediante este medio y se compromete a cumplir con el pago de sus cuotas en el plazo establecido.

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
  • 160
    View loans »
    Peru Loans Fundraising
  • $60,197,800
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Virgen Natividad Umanes Group's $1,600 loan helped a member to buy ingredients like rice, oil and mixed vegetables.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 7, 2012
Oct 7, 2012
Currency Exchange Loss:
Apr 17, 2013