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Virtud Group
In this Group: Sonia, Esther, Juana Virginia, Gladys Doris , Alejandra, Delia, Ilda, Haydee, Edwin, Adela, Angelica, Alicia, Gloria Sonia, Hermelinda, Doris, Yanina, Alicia, Vilma, Maria
The Virtud (“Virtue”) Village Bank is starting its 16th loan cycle and has 19 members. The group members are involved in a variety of businesses, including selling fruits, vegetables, cancha (dried, toasted corn), ice cream, tubers, handicrafts, animals, food, clothing, and cheese. Some sell from home or in the marketplace; others sell from door-to-door and on foot. For example, Haydee is 28 years old and lives with her four children. Haydee sells ice cream from a mobile cart in the Nery Garcia Market. Sonia is 36 years old and is separated with four children. Sonia has a stand in the F. Vivanco Market, where she works seven days a week selling a variety of fruits. Alicia is 22 years old and lives with her common-law husband and their son. She and her husband have an auto repair shop, and in the afternoons she sells prepared meals from the door of their home. The group members need different loan amounts, ranging from 200 to 1,000 PEN. The group is asking for a total of 7,500 PEN. They plan to use their loans to buy ice cream, fruit, tires, vegetables, rice, sugar and small animals. Some of the women’s dreams are to own their own homes, to save enough, to proviD. their children with a good education and to expand their businesses.

Translated from Spanish by Cynthia McMurry, Kiva fellow

El Banco Comunal Virtud inicia su 16 ciclo, con 19 socias.
Las socias realizan diferentes negocios como la frutas, verduras, canchas, helados, tubérculos, artesanía, animales, comida, ropa, quesos. Sus ventas los realizan en sus domicilios, ambulantemente, D. casa en casa y en mercados.
Como es el caso D. Haydee que es conviviente, tiene 28 años y 4 hijos, Haydee venD. helados D. manera ambulatoria en el mercado Nery García.
Por otro lado Sonia es separada, tiene 36 años y 4 hijos, Sonia tiene un puesto en el mercado F. Vivanco en donD. venD. frutas variadas, actividad que realiza todos los días.
Mientras que Alicia es conviviente, tiene 22 años y 1 hijo, Alicia junto a su esposo tienen una vulcanizadora y por las tardes venD. comida en la puerta D. su casa.
Las socias necesitan diferentes montos D. préstamos, algunos montos son D. 200 soles, 300 soles, 400 soles y 1000 soles, haciendo un total D. 7,500 soles D. préstamos en el Banco Comunal.
Los préstamos lo invertirán en la compra D. helados, frutas, llantas, verduras, arroz, azúcar, animales menores.
Los sueños D. las socias es tener casa propia, ahorrar lo suficiente, brindar una buena educación a sus hijos y ampliar sus negocios.

Additional Information

About FINCA Peru

This loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.

In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.

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
  • 91
    View loans »
    Peru Loans Fundraising
  • $58,960,675
    Funds lent in using Kiva
  • 3.1
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Virtud Group's $2,450 loan helped a member buy supplies of ice cream, fruit, tires, vegetables, rice, sugar and small animals.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 13, 2008
Dec 17, 2008
Currency Exchange Loss:
May 15, 2009