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Virgen Del Carmen De Patria Group
In this Group: Sonia, Marleny, Avelina, Marisol*, Tiburcio, Benita*, Maximo, Pedro, Maria Encarnacion, Beatris, Esteban
* not pictured

Update on Virgen Del Carmen De Patria Group

Marleny is a member of the Virgen de Carmen de Patria Community Bank. Patria is located in the district of Kosñipata, Paucartambo Province, in the department of Cusco. She is 32 years old and single. She is a responsible, friendly person who works in agriculture and raises and sells animals in addition to her regular household chores. She has raised animals for a long time, and the business is going well thanks to her hard work. Marleny wishes to keep working so she can make progress in life. She is seeking a loan to buy manure, seeds etc.

The group is grateful for this opportunity to get a loan and promise to make their various repayments according to the established schedule. The other members of the group sell wood, sell grain, raise livestock, raise animals, and farm.
View original language description ↓
La socia pertenece al banco comunal “Virgen de Carmen de patria”, el poblado de Patria está ubicado dentro del distrito de Kosñipata en la provincia de Paucartambo del departamento del Cusco).
La socia Marleny, tiene 32 años de edad y es soltera, la socia es una persona responsable y amable, la socia alterna sus actividades diarias dedicándose a la agricultura y crianza de animales, la socia cría a sus animalitos para luego venderlos a sus clientes que le solictan, la socia lleva buen tiempo dedicándose a este 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 adelante.
La socia solicita el crédito para la compra de abono, semillas entre otros.
Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos.
Los demás socios se dedican a la venta de madera, venta de cereales, ganadería, crianza de animales y agricultura.

Previous Loan Details

The communal bank “Virgen de Carmen de Patria” was formed by a group of neighbors and friends in the town of Patria. (The town of Patria is known for its trade in products from the forest, as well as lodging services and restaurants. It is the point of entrance of the National Park of Manu.) ... More from Virgen Del Carmen De Patria Group's previous loan »

Additional Information

More information about this loan

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
  • 129
    View loans »
    Peru Loans Fundraising
  • $58,863,350
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Virgen Del Carmen De Patria Group's $3,475 loan helped a member buy manure, seeds etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 14, 2014
Aug 19, 2014
Currency Exchange Loss:
Feb 21, 2015