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Panty Tikas De Huayllabamba Group
In this Group: Francisco , Lucia , Leona , Lourdes , Presentacion *, Juana , Juana , Dolores , Raul , Tadea , Natividad , Lali Cristina , Irma *
* not pictured
A group of friends and neighbors formed the communal bank “Panty Tikas De Huayllabamba” in the community of Huayllabamba, district of Huancarani in the province of Paucartambo of the department of Cusco. This communal bank is made up of people who are searching continuously for opportunities to get ahead, and to bring a better future to their children through their daily efforts. The primary business activities of the members are, for example: food sales, the creation of wooden furniture, craft sales, grocery sales, sales of chicha (a traditional corn beverage) and beer, raising small animals, and other activities.

Francisco lives in the community of Huayllabamba, and that is where he does his different types of work. He is married, and the result of this beautiful relationship has been four children. He is both a mason and a taxi driver. It has been several years since he began this business, and it is going very well for him, thanks to the effort he puts into his work. His wife works in buying and selling dry goods and in this way, she helps out the whole family. Thus, Francisco needs a loan to do maintenance on the car, as he wants to buy pistons, grease, and other items.

The members as a whole are thankful for the opportunity that has been offered and promise to make payments of each of their different loans on schedule as arranged. (The people who appear at the bottom of the photo arrived late to the meeting of the communal bank.)
View original language description ↓
Un grupo de vecinos y amigos formaron el banco comunal “Panty Tikas De Huayllabamba” en la comunidad de Huayllabamba distrito de Huancarani de la provincia del Paucartambo del departamento del Cusco. 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. Las actividades económicas principal de los socios son por ejemplo; venta de comida, elaboración de muebles de madera, venta de artesanía, venta de productos de primera necesidad, venta de combustibles, venta de chicha y cerveza, crianza de animales menores y otras actividades.

Francisco vive en la comunidad de Huayllabamba y donde realiza sus diferentes actividades económicas, él es casado y fruto de esta hermosa relación tiene cuatro hijos, el es albañil y chófer. Ya son varios años que se dedica a estas actividades y le va muy bien gracias al empeño que pone en su trabajo. Su esposa se dedica a la compra y venta de productos secos y de esta forma ayuda a la casta familiar. En esta Francisco requiere el préstamo para hacer mantenimiento del carro desea comprar pistones, lubricantes y otras cosas más.

Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos. (Las personas que aparecen en la parte inferior de la fotografía llegaron tarde a la reunión del banco comunal).

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
  • 103
    View loans »
    Peru Loans Fundraising
  • $58,002,425
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD
A portion of Panty Tikas De Huayllabamba Group's $5,975 loan helped a member to do maintenance on a car, hoping to buy pistons, lubricants, and other items.
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 12, 2012
Nov 6, 2012
Currency Exchange Loss:
Dec 6, 2012