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Fe En Dios Group
In this Group: Victor Ceferino, Vicentina Yomira, Sussy Adriana, Esmeralda, Carmen, Erika Julia*, Marisol, Maria Elena, Juan*, Nazaria
* not pictured
The members belong to the “Fe en Dios” (Faith in God) Communal Bank. This bank is located in the Cusco district, Cusco province, Cusco department.

Víctor Ceferino, age 48, is a member. He is married and has three children. He buys and sells Omnilife products. These products are maD. from a natural plant base, and they are for hair, health, and many other uses. He has been in this business activity for a good amount of time. He likes it a lot because it gives him both economical and personal satisfaction. He is a psychologist by profession, and he gives talks and trainings to the people who work with him.

He is a very enterprising person with a lot of desire to get ahead. He is requesting the loan to buy merchandise for his business and for some repairs to his office.

The other members sell children’s clothes, sell beauty products, make jackets, and make metal structures.

He is happy about the loan, and he pledges to make his payments.

The group's photo appears with a small picture pasted upon it because on the day of the meeting three of the members, who are in the upper left hand corner of the picture, did not have permission to not be at work that day. Nevertheless, they came to talk to the loan officer the following day to see about the details of the meeting. The members in the upper corner are Sra. Carmen Nazaria and Sra. Maria Elena.
View original language description ↓
Los socios pertenecen al banco comunal “FE EN DIOS”; Este banco se ubicado en el distrito D. Huamchac, perteneciente a L. provincia D. Cusco y departamento D. Cusco.

El socio es el Sr. Víctor Ceferino; el tiene 48 años D. edad y es casado y tiene 3 hijos; El socio se dedica a L. compra y venta D. productos OMNILIFE estos son productos hechos a base D. plantas naturales para el cabello, para L. salud entre otros mas, el socio lleva buen tiempo en esta actividad L. cual le gusta mucho ya que le trae satisfacciones tanto económicas como personales, él socio es psicólogo D. profesión e imparte charlas y capacitaciones a L. gente que trabaja con él. El socio es una persona bien emprendedora y con muchas ganas D. salir adelante. El socio solicita el préstamo para L. compra D. más mercadería para su negocio y para algunos arreglos D. su consultorio.

L. foto del grupo se encuentra empalmada, porque el día D. L. reunión tres D. los socios que estan en L. parte superior D. L. foto tuvieron permiso para no estar presentes este día sin embargo ellos acudieron a hablar con el asesor D. grupo al día siguiente para ver los por menores D. L. reunión, los socios en L. parte superior son los Señores: Carmen Nazaria, Maria Elena.

Los otros socios se dedican a L. venta D. ropa para niños, productos D. belleza, confecciones D. casacas y a realizar estructuras metálicas.

El socio se siente feliz por el préstamo y se compromete a cumplir con el pago D. sus cuotas.

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
  • 34
    View loans »
    Peru Loans Fundraising
  • $64,316,075
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Fe En Dios Group's $3,825 loan helped a member to buy merchandise for his business and for some repairs to his office.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 3, 2011
Currency Exchange Loss:
Jul 15, 2011