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Real Group
In this Group: Veronica , Mercedes Frine , Angela , Beatriz , Ramiro , Carlos Enrique , Carlos David, Ruth *, Kety Yovana , Juana , Tula , Deyssi Barinea
* not pictured
Kety Yovana belongs to the “Real” community bank. She lives in Huanchac district, Cusco province, in Cusco department.

Kety Yovana is 35 years old. She is single and has one child. Her business is buying and selling clothes. She travels constantly to the city of Lima and the city of Puno (Juliaca) to buy seasonal clothes wholesale from the factories there, taking advantage of the changes in season. She tells us that she would like this loan so that she can travel and bring back clothes from the city of Lima because the summer is about to begin whilst in the city of Cusco we are in winter. She finds better offers in these changes of season. She will travel, taking advantage of the change in season over the coming weeks. She is requesting the loan to invest in buying clothes to sell.

The other members of the group have businesses which include selling accessories for cell phones, sound equipment and remote controls for televisions, chickens wholesale and retail and uniforms.

In the small picture on the top left you see the group members Mercedes, Veronica and Ramiro. For health reasons, they requested permission to meet the day after the group meeting.

Kety Yovana is grateful for the loan and pledges to continue working very hard to make her repayments and improve her business.
View original language description ↓
La socia pertenece al banco comunal "REAL"; la socia vive en el distrito de Huanchac, provincia de Cusco, departamento de Cusco.

La socia es la Sra. Kety Yovana: ella tiene 35 años de edad ella es soltera y tiene 1 hijo; la socia se dedica a la compra y venta de ropa, ella viaja constantemente a la ciudad de Lima y la ciudad de Puno (Juliaca), para comprar de las fábricas ropa al por mayor y de temporada aprovechando los cambios de estación, ahora la socia manifiesta que requiere el crédito para viajar y traer ropa a la ciudad de Lima, porque están a puertas de iniciar el verano mientras que en la ciudad del Cusco estamos entrando al invierno, ella encuentra en estos cambios de estación mayores ofertas. La socia viajara aprovechando el cambio de estación en las siguientes semanas. La socia solicita el préstamo para invertir en la compra de mercadería de tipo ropa para la venta.

Los otros socios se dedican a comercio de venta de accesorios para celulares, equipos de sonido y controles remotos para televisores; a la venta de pollos al por mayor y menor; a la venta de uniformes y otros.

En la foto se ve a los socios Mercedes, Veronica, Ramiro; que por motivos de salud pidieron permiso para reunirse al día siguiente.

La socia agradece el préstamo que se le otorgará y se compromete a seguir trabajando con mucho ahincó para cumplir con los pagos y mejorar su negocio.

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
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Real Group's $4,600 loan helped a member to invest in buying clothes to sell.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Nov 12, 2010
Nov 20, 2010
Currency Exchange Loss:
Apr 15, 2011