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Wiñay Huayna Group
In this Group: Rosa, Norma, Nelly, Norma Rosario, Julio Cesar, Manuel, Zoila, Sara*, Jaqueline, Victor Teodocio, Luis Felipe, Gavina, Clara, Elizabeth, Maria Graciela, Lourdes Ricardina, Marcia Felicitas, Karen Janessi, Bery Luz
* not pictured
These individuals belong to the “WIÑAY HUAYNA” cooperative bank, located in the district and province of Cusco.

The member is Rosa, who is 54 years old, single, and has one child. She dedicates herself to selling beverages such as chicha D. quinua, apple juice, and chicha morada (chicha is a traditional Andean beverage, typically derived from maize).

She has a site at the market in Wanchaq, where she works from 10:00 am until 5:00 pm. By means of this small business, she helps her son get ahead. She would like to have a snack stand where she could sell the beverages. She is requesting a loan to buy the ingredients for making her refreshments.

The other members dedicate themselves to selling clothing, handicrafts, handbags, and knitted goods, and some have general stores.

She is happy about the loan, and commits to making her payments.
View original language description ↓
Los socios pertenecen al banco comunal “WIÑAY HUAYNA”; Este banco se ubicada en el distrito D. Cusco, perteneciente a la provincia D. Cusco y departamento D. Cusco.

La socia es la Sra. Rosa; ella tiene 54 años D. edad y es soltera y tiene 1 hijo; La socia se dedica a la venta D. bebidas como chicha D. quinua, agua D. manzana y chicha morada, ella tiene un pequeño puesto en el mercado D. Wanchaq que trabaja desD. las 10:00 a.m hasta las 5:00 p.m y por medio D. este pequeño negocio la socia saca adelante a su hijo, la socia quiere tener un snack donD. pueda vender las bebidas. La socia solicita el préstamo para comprar insumos para preparar las bebidas.

Los otros socios se dedican a la venta D. ropa, venta D. artesanía, tienda D. abarrotes, venta D. carteras y venta D. tejidos.

La socia está feliz por el préstamo y se compromete a cumplir con los pagos D. su cuota.

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
  • 46
    View loans »
    Peru Loans Fundraising
  • $64,450,300
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Wiñay Huayna Group's $3,650 loan helped a member to purchase ingredients for making her beverages.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 20, 2010
Dec 22, 2010
Currency Exchange Loss:
May 15, 2011