Hilaria, age 28, was born in the village of Accha, but she lives in the Ninamarca community. She is married, and they have three children. She is a responsible and kind person who gets ahead. Her main business activity is raising small animals like guinea pigs, chickens, and pigs. She also works in agriculture. She has various pieces of land where she grows potatoes, barley, wheat, and beans.
She now needs a loan to buy more small animals like guinea pigs and chickens in order to increase her business capital. (Hilaria is raising her hand in the photograph).
The members are grateful for the opportunity provided, and they pledge to make their different payments on time. (The member in the inset photograph asked permission from the board of directors of the communal bank to not be present at the meeting).
(The town of Ninamarca is in the Paucartambo province, Cusco department, Peru.)
Hilaria tiene 28 años de edad y nació en el poblado de Accha pero vive en el comunidad de Ninamarca, ella es casada y fruto de esta hermosa relación tiene tres hijos, ella es una persona responsable y amable que sale adelante pues su actividad económica principal es la crianza de animales menores como por ejemplo cuyes, gallinas, chanchos y también se dedica a la agricultura entonces tiene varios terrenos de cultivos donde siembra papa, cebada, trigo y habas, ella en esta oportunidad requiere el préstamo para comprar más animales menores como cuyes y gallinas para incrementar su capital de negocio. (Hilaria en la fotografía está levantando la mano).
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 fotografía de la socia que aparece adjunta en la foto principal pidió permiso a la junta directiva del banco comunal para no estar presente en la reunión).
(El poblado de Ninamarca está ubicado en la provincia de Paucartambo del departamento del Cusco, Perú).
More information about this loan
Important InformationAbout 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.
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