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Centro De Salud Urubamba Group
In this Group: Flor De Maria, Mayda, Soledad, Franklin, Marlene, Fidelia, Maritza, Yarma, Luzgarda Corina*
* not pictured
A group of coworkers and friends formed Centro de Salud de Urubamba Communal Bank in the district and province of Urubamba. The communal bank has been operating for six months and it's well organized. The bank is made up of people who are always looking for opportunities to get ahead and, with their daily efforts, give their children a better future. Most of the members are health professionals such as nurses, aides, and doctors. All these professionals work in a health clinic in the city of Urubamba.

Flor María was born in the city of Cusco but currently lives in Urubamba where she works. She's 41 years old and married, and has two children from this relationship. She has been an oral surgeon for 14 years and it's going very well for her. She works as a dentist in a health center but in her free time she practices independently, doing treatments, preventive care, extractions, and other procedures.

Now she needs a loan to buy amalgam, resin, and other work materials.

Her dream is to open a dental clinic. The members in general are grateful for their opportunity and pledge to make their various payments on time. (The member who appears at the bottom of the photograph asked the board permission to arrive late to the meeting.)
View original language description ↓
Un grupo de compañeros de trabajo y amigos formaron el banco comunal “Centro de Salud de Urubamba” en el distrito de Urubamba de la provincia de Urubamba. Ya son seis meses que funciona el banco comunal y está bien organizado. Este banco comunal está conformado por personas que buscan a cada momento las oportunidades para salir adelante y con su esfuerzo diario entregar un mejor futuro a sus hijos. La mayoría de los socios son profesionales de la salud como enfermeras, auxiliares y doctores todos estos profesionales trabajan en una entidad de salud en la ciudad de Urubamba.

La socia Flor Maria nació en la ciudad Cusco pero actualmente vive en la ciudad de Urubamba es decir donde realiza sus actividades económicas, ella tiene 41 años de edad y es casada entonces fruto de esta relación tiene dos hijos, ella es cirujano dentista y ya son 14 años que ejerce su profesión y le va muy bien, ella trabaja como dentista en un centro de salud pero en sus horas libres se dedica a su profesión de forma independiente donde hace curaciones de dientes, profilaxis, extracciones entre otras cosas más. En esta oportunidad requiere el préstamo para comprar materiales de trabajo como amalgama, resina y otras cosas más. Su sueño de la socia es abrir una clínica dental. Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos. (La socia que aparece en la parte inferior de la fotografía pidió permiso a la junta directiva para llegar tarde a la reunión).

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
  • 95
    View loans »
    Peru Loans Fundraising
  • $57,975,725
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Centro De Salud Urubamba Group's $6,175 loan helped a member to buy amalgam, resin, and other work materials.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 19, 2012
Nov 5, 2012
Currency Exchange Loss:
May 17, 2013