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Siempre Unidos Group
In this Group: Laura, Estherlin Ericka, David Jesus*, Victor Enrique, Elsa, Juan Daniel, Juan, Yenny Margot, Gloria
* not pictured

Update on Siempre Unidos Group

Laura belongs to the “Siempre Unidos” (Always United) communal bank located in Cusco District. She was born in the city of Puerto Maldonado and she’s single and has five children. She continues with her business selling food. She has a small restaurant that she’s had for some time now. She does well due to the daily effort she puts into her business. She wants to continue working in order to continue supporting her family this way. She’s requesting the loan to buy ingredients like oil and rice, among others. She feels grateful to Kiva lenders and commits to make her payments as scheduled.

The other members sell mobile phones, clothes, groceries, potatoes, food and make beverages.

The person with the blurred face is not a member of the communal bank. The borrower in the photo at the bottom left arrived late to the meeting because of work.
View original language description ↓
El socio pertenece al banco comunal “Siempre Unidos” el cual se encuentra ubicado en el distrito del Cusco.

La socia Laura nació en la ciudad de Puerto Maldonado, la socia tiene 05 hijos y es soltera, la socia continua con su negocio de venta de comida, la socia tiene un pequeño restaurante, la socia lleva buen tiempo con su negocio el cual le va bien gracias al empeño que le pone cada día a su negocio, la socia desea poder seguir trabajando para de esta forma seguir apoyando a su familia.

La socia solicita el crédito para la compra de insumos como aceite, arroz entre otros. La socia se siente agradecida con los inversionistas de Kiva y se compromete a cumplir con sus cuotas establecidas.

Los otros socios se dedican al negocio de venta de celulares, venta de ropa, tienda de abarrotes, venta de papa, venta de comida, preparación de bebidas.

La persona que sale con la cara tapada no pertenece al banco comunal.
El socio que aparece a la foto adjunta pidio permiso para llegar tarde a la reunion por motivos de trabajo.

Previous Loan Details

The communal bank ‘Siempre Unidos’ was formed by a group of neighbours in the district of Cusco. This bank is made up of twelve people who are always on the lookout for opportunities to get ahead and who work to give their children a better future. The members’ economic activities include selling... More from Siempre Unidos Group'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.

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
  • 151
    View loans »
    Peru Loans Fundraising
  • $60,191,850
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Siempre Unidos Group's $3,900 loan helped a member to buy ingredients.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 24, 2013
Jun 10, 2013
Currency Exchange Loss:
Sep 17, 2013