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Hiperbanco Group
In this Group: Demetrio , Rossana Fabiola *, Maria Del Carmen, Alheli Pilar, Violeta Inmaculada, Carmen Rosa, Susana , Teodocio Americo*, Carlos George, Emerson , Carmen Luz, Oscar Alain, Rumayre
* not pictured
Carmen Rosa is a member of the Hiperbanco community bank, which is located in the district of Cusco, in the province and department of Cusco. She is 56 years old, has four children, and is married. She balances her daily activities with her business selling cosmetics from catalogs. She sells perfume, cologne, and other items to customers who order them. She sells to customers such as friends, relatives, and others. She also sells clothing to the same customers. Carmen Rosa is a responsible and enterprising person whose business is improving life for her family.

She is requesting this loan to purchase merchandise such as women's cologne.

The group members in the small attached photo asked permission to come late to the meeting because they were working. The members are grateful for the Kiva lenders and promise to make their repayments on time.
View original language description ↓
La socia pertenece al banco comunal HIPERBANCO, el banco está ubicado en el distrito de Cusco, provincia de Cusco y departamento de Cusco.
La socia Carmen Rosa tiene 56 años de edad tiene 04 hijos y es casada, la socia alterna sus actividades diarias con el negocio de venta de cosméticos por catalogos, la socia vende perfumes, colonias, entre otros a sus clientes que le solicitan, la socia vende de forma ambulatoria a sus clientes cómo amistades, familiares entre otros, a la vez la socia vende ropa a sus mismos clientes, la socia es una persona responsable y empeñosa siendo de esta forma que la socia saca adelante a su familia.
La socia solicita el crédito para la compra de mercadería como colonias para damas.
Los socios que salen en la foto adjunta pidieron permiso para llegar tarde a la reunión por motivos de trabajo.
La socia se siente agradecida con los inversionistas de kiva y se compromete a cumplir con sus cuotas establecidas.

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
  • 152
    View loans »
    Peru Loans Fundraising
  • $60,191,850
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Hiperbanco Group's $5,675 loan helped a member to purchase merchandise, including women's cologne.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jul 17, 2013
Aug 18, 2013
Currency Exchange Loss:
Dec 17, 2013