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Señor De Los Milagros Group
In this Group: Julia , Ermelinda , Ruben, Ana Flavia , Fanny , Delia , Sebastiana , Antonia, Grisca , Jackeline
These partners are members of the community bank "Señor de Los Milagros" ["God of Miracles"]. This communal bank is located in the Cusco district in the Cusco province of the department of Cusco.

One partner is Fanny who is single and 18 years old. She alternates her daily activities between her business, where she independently sells cosmetics such as perfumes, colognes and creams, among other things, to all her family and friends; and simultaneously she is studying the field of accounting at one of the schools in the city, which will be her form of getting ahead.

Fanny requests a loan to purchase women's perfumes for her business. Fanny thanks those who support this dream through this loan and promises to make her repayments on time.

The other partners make their living through clothing sales, restaurants, recycling, selling food, and selling meat and "pejerrey" [a type of fish].
View original language description ↓
Los socios pertenecen al banco comunal “SEÑOR DE LOS MILAGROS”; Este banco se ubicado en el distrito de Cusco, perteneciente a la provincia de Cusco y departamento de Cusco.

La socia es la Srta. Fanny ella es soltera y tiene 18 años de edad; La socia alterna sus actividades diarias con el negocio de venta de cosméticos como perfumes, colonias, cremas entre otros, la socia vende de forma independiente a todas sus amistades, familiares entre otros, a la vez la socia es estudiante de la carrera de contabilidad en uno de los institutos de la ciudad, siendo de esta forma que la socia sale adelante.

La socia solicita el crédito para la compra de perfumes para damas para su negocio.

Los otros socios se dedican a la venta de ropa, restaurante, reciclador, venta de comida, venta de carne y pejerrey.

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
  • 153
    View loans »
    Peru Loans Fundraising
  • $60,182,150
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Señor De Los Milagros Group's $4,525 loan helped a member to purchase women's perfume for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 10, 2013
Aug 1, 2013
Currency Exchange Loss:
Feb 17, 2014