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Lucero Group
In this Group: Juana Yolanda, Espirita, Maura, Rosa, Victoria, Reyna Isabel, Lizbet Gleny, Lisset Alicia, Gabriela, Yoni Nilda, Jackelyne, Rayda, Noemi, Israel, Felicitas
Juana is a member of the Lucero communal bank which is starting its 6th cycle with 15 members. She is 61 years old, married and has six children.

Juana sells cosmetics and clothes (polo-type shirts, pants) on order that she brings from Juliaca.

The loan she is asking for will be used to buy panettones (cakes consumed traditionally during the Christmas festivities), toys, stuffed toys and clothing for the Christmas sales season.

She has been a member of FINCA for two cycles. She joined thanks to an invitation from a friend. She enjoys her communal bank meetings because there are talks on various subjects like: family, marriage, health and values and above all because she can save. Her dream is that the business grows and to be able to help her family.
View original language description ↓
Juana es socia del Bancomunal Lucero, que inicia su sexto ciclo con 15 socias. Juana tiene 61 años, es casada y tiene 6 hijos.
Juana se dedica a la venta de cosméticos y ropa (polos, pantalones) por pedidos que trae desde Juliaca.
El crédito que solicita lo invertirá en la compra de panetones, juguetes, peluches, ropa, para la campaña navideña.
Pertenece a FINCA desde hace 2 coclos, ingreso por invitación de una amiga, le gusta las reuniones de su bancomunal porque le hablan de diferentes temas como familia, matrimonio, salud, valores y sobre todo puede ahorrar. Su sueño es que su negocio crezca y poder ayudar a su familia.

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
  • 42
    View loans »
    Peru Loans Fundraising
  • $64,381,600
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Lucero Group's $3,550 loan helped a member to buy panettones, toys, stuffed toys and clothes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 20, 2010
Nov 25, 2010
Currency Exchange Loss:
Jun 15, 2011