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Update on Cirila

This borrower, Cirila, belongs to the bank "Manos Juntas/ Hands Together" in the city of Cuzco, Peru. She is a very hard-working and entrepreneurial woman. She continues with her commercial activities selling beauty products by catalogue.

Cirila is requesting this loan to buy merchandise such as general cosmetics, perfumes and makeup. She wants to capitalize on the upcoming Christmas campaign that has just begun.

Cirila is very happy and thankful to KIVA for allowing her to support herself and to develop her commercial activity.
View original language description ↓
La socia es la señora Cirila, ella pertenece al banco “Manos Juntas” de la ciudad del Cusco - Perú del Cusco – Perú. La socia es una mujer muy trabajadora y emprendedora pues continúa con su actividad comercial en la venta de productos de belleza por catálogo, Cirila está solicitando el préstamo para comprar mercadería como cosméticos en general, perfumería y maquillaje y capitalizar su actividad para la próxima campaña navideña que acaba de comenzar.
Cirila está muy feliz y agradecida con KIVA por permitirle mantenerse y desarrollarse en su actividad comercial.

Previous Loan Details

Cirila is 60 years old and has several children. She sells cosmetics informally to friends, acquaintances, and neighbors through a catalog, and would like a loan in order to purchase merchandise such as lipstick, eyeshadow, and blush. In addition, Cirila continues running a hardware store which i... More from Cirila's previous loan »

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).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Peru

  • $12,000
    Average annual income
  • 128
    View loans »
    Peru Loans Fundraising
  • $60,116,750
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Cirila to buy merchandise such as perfume and makeup.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 26, 2012
Dec 1, 2012
Currency Exchange Loss:
Apr 17, 2013