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Luz Del Sur Group
In this Group: Ernestina, Benigno, Judith, David, Ruth Marina, Antonia, Amalia, Fernando Stelvio, Ysela, Vicentina*, Cesar, Flora Virginia
* not pictured
The members belong to Luz del Sur Communal Bank, located in the Cusco district in the province and department of Cusco.

The member, Ernestina, is 55 years old and married, and has two children. She works in her business selling food. She makes dishes such as baked chicken, soup, and rice with meat. She works from 8 a.m. until 6 p.m. She has been in this business for six years and it's going very well for her. She wants to get ahead with this job. Her dream is to expand her business selling food.

She's requesting the loan to buy products to cook in her business, such as rice, chicken, meat, and vegetables.

The other members earn their livings in cleaning-product sales, a grocery store, a beauty salon, and a restaurant.

She's grateful to those who are part of this dream through this means and she pledges to make her payments by the established deadline.
View original language description ↓
Los socios pertenecen al banco comunal “LUZ DEL SUR”; Este banco se ubicada en el distrito de Cusco, perteneciente a la provincia de Cusco y departamento de Cusco.

La socia es la Sra. Ernestina ella es casada y tiene 55 años y tiene 2 hijos; La socia trabaja en su negocio de venta de comida, la socia prepara platos como pollo al horno, sopas y carne con arroz, la socia trabaja desde las 8:00 a.m hasta las 6:00 p.m,la socia ya tiene 6 años en este negocio y le va muy bien, la socia por medio de este negocio la socia quiere salir adelante, el sueño de la socia es ampliar el negocio de restaurant. La socia solicita el crédito para comprar productos para cocinar como arroz, pollo, carne y verduras para su negocio de venta de comida.
Los otros socios se dedican al negocio de venta de artículos de limpieza, negocio de tienda de abarrotes, negocio de salón de belleza y negocio de restaurant.

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
  • 130
    View loans »
    Peru Loans Fundraising
  • $58,907,975
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Luz Del Sur Group's $6,275 loan helped a member to buy rice, chicken, meat, and vegetables.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 19, 2013
Apr 1, 2013
Currency Exchange Loss:
Jul 17, 2013