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Hilaria Ayda's Group
In this Group: Hilaria Ayda, Esther, Martha Consuelo
Hilaria, Martha, and Esther are members of the “Nueva Vida” community bank . Hilaria has been a member for two years, while Martha and Esther joined less than one year ago. In that time, they have learned the importance of saving, responsibility, and how to treat their children.

Hilaria is 35 years old. She is married and has four children. Hilaria has owned a grocery store for several years.

Martha is 39 years old. She is a single mother and has one three-year-old daughter. Martha is has a degree in electrical engineering, but is unable to find work in that field. Currently, she has a business selling natural health products.

Esther is twenty. She is currently preparing for entrance exams to the local university. There, she plans to study accounting. Esther helps her sister, who owns a clothing store, and will invest the money from the loan her sister’s business.

Hilaria, Martha, and Esther need loans of 450, 1000, and 300 soles respectively (3 soles = $1), which they will use to buy a piece of land, a new line of vitamins, and a variety of clothing items.

One of the most important aspects of the community bank is the interest-earning savings account that each associate has. Hilaria, Martha, and Esther plan to use their savings combines with their loan to buy land, buy a car, and to pay for school. Their dreams are to see their children become professionals, to start an electric engineering firm, and become a professional.

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
  • 80
    View loans »
    Peru Loans Fundraising
  • $61,829,600
    Funds lent in using Kiva
  • 2.9
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Hilaria Ayda's Group's $625 loan helped a member hilaria, Martha, and Esther need loans of 450, 1000, and 300 soles (3 soles = $1), which they will use to buy a piece of land, a new line of vitamins, and a variety of clothing items.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 27, 2008
Feb 13, 2008
Currency Exchange Loss:
Aug 27, 2008