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Juntas Y Unidas Group
In this Group: Marilu , Maritza , Luisa , Maruja , Marleni Vanessa*, Justina , Karin Pilar , Luz Marina, Primitivo , Guillermina Hortencia, Telma , Enriqueta*
* not pictured

Update on Juntas Y Unidas Group

The communal bank "Together And United" and its members are from the district of Cusco, part of the province and department of Cusco. One member is Ms. Guillermina, a married woman of 59 years with four children. Guillermina alternates between two businesses. In one, she makes cakes to order for various events like weddings, quinceañera ("Sweet Fifteen") parties, birthdays, baptisms, and other events. She has spent quite some time in this business, and it is going well for her, thanks to the dedication she brings to her work. Her other business is the sales of knit items. Guillermina is a responsible and resolute person, and with her hard work, she is getting her family ahead.

Guillermina is requesting this loan to pay for ingredients such as flour, butter, and sugar, among others.

The other members of the group have a variety of businesses, including book sales, cake sales, the selling of knitted products, taxi services, the raising of chickens, the preparation and sales of breakfast, and the sales of construction materials. The member in the attached photograph requested that she be allowed to come late to the meeting due to her work obligations. Guillermina and all the members wish to thank everyone who has formed part of this dream and she promises to repay the loan on time and in the prescribed manner.
View original language description ↓
Los socios pertenecen al banco comunal “JUNTAS Y UNIDAS”; Este banco se ubicada en el distrito de Cusco, perteneciente a la provincia de Cusco y departamento de Cusco.
La socia es la Sra. Guillermina ella es casada tiene 59 años y tiene 4 hijos; La socia alterna sus actividades diarias con el negocio de elaboración de tortas para los distintos compromisos que le solicitan como matrimonios, fiesta de 15 años,cumpleaños,bautizos entre otros, la socia trabaja a pedido, 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 a la vez se dedica a la venta de tejidos, la socia es una persona responsable y empeño siendo de esta forma que la socia saca adelante a su familia.
La socia solicito el crédito para la compra de insumos como harina, matequilla, azucar entre otros.
Los otros socios se dedican al negocio de venta de libros, negocio de venta de tortas, negocio de venta de tejidos, brindando el servicio de taxi, polleria, venta de desayunos y negocio de venta de materiales de construcción.
La socia que sale en la foto adjunta pidió permiso para llegar tarde a la reunión por motivos de trabajo.
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.

Previous Loan Details

The members belong to the “Juntas y Unidas” communal bank. This bank is located in the district of Cusco, part of the Cusco province and department. The member in question is Marilu, she is married, 41 years old and has one child. Marilu works in her business selling construction materials such a... More from Juntas Y Unidas 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
  • 179
    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 Juntas Y Unidas Group's $5,700 loan helped a member buy ingredients to bake cakes for weddings and birthdays.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Oct 29, 2013
Currency Exchange Loss:
Mar 17, 2014