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Karolay Denisse
The member belongs to the ATIPAY communal bank, located in the district of Huanchac in the province of Cusco and department of Cusco.

Karolay, the member, is 19 years old and single. She studies business administration. She also currently works, devising surveys that will allow her to give better quality and service in the business she eventually will work in.

Karolay wants to use the loan to pay for her studies. She works and is educating herself, and now she wants to use her monthly salary to make the payments to the bank.

She is requesting the loan to pay for her education in business administration.

Karolay is grateful for the loan and is committed to making the payments in accordance with the payment schedule.
View original language description ↓
La socia pertenece al banco comunal ”ATIPAY”; El banco comunal se encuentra ubicado en el distrito de Huanchac en la provincia de Cusco y departamento de Cusco.
La socia es la Srta. Karolay; La socia tiene 19 años de edad, la socia es soltera, ella estudia la carrera de administración de empresas; la socia también trabaja actualmente elaborando encuestas en relación que le permiten dar mejor calidad e servicio en la empresa que labora eventualmente; la socia desea invertir el crédito en el pago de sus estudios la socia trabaja y se educa, y en esta ocasión desea invertir en el pago de sus mensualidades para ir pagando al banco por cuotas. La socia solicita el préstamo para invertir en el pago de sus estudios de administración de empresas.
La socia agradece el préstamo y se compromete a cumplir con el pago de sus cuotas de acuerdo al cronograma de pagos.

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).

About Peru

  • $12,000
    Average annual income
  • 41
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $100 helped Karolay Denisse to pay for her studies in business administration.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Oct 4, 2011
Oct 11, 2011
Currency Exchange Loss:
Mar 15, 2012