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In this Group: Maritza, Elena*, Patricia, Tania América, Magdalena, Juan Miguel *, Haydee, Herculana, Livia, Norka Raquel, Yessica
* not pictured
The communal group “L. Unión” has 11 members, most of whom are mothers and live in the Cusco area. Most of the group members are investing their loans to buy more merchandise for their small businesses such as kiosks and general stores. One general store owner will buy rice, olive oil and pasta to increase her merchandise. Another will buy more medicine to sell at his drugstore.

Maritza, the group leader, makes crochet and macramé bags by hand and sells them at a local market for between 35 and 45 soles (approximately $10 - $15 USD). The crochet bags take one day to make, while the macramé bags maD. by hand take two days. Martiza will buy supplies to make more bags with her loan.

As the group leader, Martiza says that it is her responsibility to proviD. support for the mothers to help them make their payments, achieve their personal goals, and get ahead in life. She is 46 years old, and married with two children. The women appreciate the loan and are dedicated to repaying it as scheduled.

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
  • 44
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 3.0
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of La Unión Group's $2,775 loan helped a member purchase supplies and merchandise.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 15, 2009
Jul 1, 2009
Currency Exchange Loss:
Nov 15, 2009