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Juntas Y Unidas Group
In this Group: Maritza , Luisa , Maruja , Marleni Vanessa, Justina , Victoria , Marilu , Karin Pilar , Nerida, Luz Marina, Guillermina , Diego Telma
Sra. Luisa belongs to the “JUNTAS Y UNIDAS” Communal Bank. The bank is located in Huanchac district, belonging to Cusco Province and Cusco Department.

Luisa is 44 years old and married with 3 children. She divides her time between her business buying and selling books and also selling cosmetics by catalog. She wants to invest in the purchase of books wholesale and has requested that they arrive in two weeks and therefore is required to pay the total shipping costs. She will also invest the loan in the purchase of some beauty products on sale in the catalog.

Other members of the bank work at buying and selling construction materials, managing a grocery store, making tortas, selling woven goods, teaching, driving a taxi and running a poultry shop.

Luisa is happy with the loan and is committed to making her payments on time.
View original language description ↓
La socia pertenece al banco comunal “JUNTAS Y UNIDAS”; El banco está ubicado en el distrito de Huanchac, perteneciente a la provincia de Cusco y departamento de Cusco.
La socia es la Sra. Luisa ; ella tiene 44 años de edad y es casada y tiene 3 hijos; La socia alterna sus actividades con el negocio de compra y venta de libros, también cosméticos por catalogo, la socia desea invertir en la compra de libros al por mayor ella ha hecho un pedido que le llegara en dos semanas y para ello requiere pagar el total del envió. La socia también invertirá el préstamo para comprar algunos productos de belleza en oferta por catalogo.
Los otros socios se dedican a la compra y venta de materiales de construcción, a la atención de la tienda de abarrotes, a la elaboración de tortas, a la venta de tejidos, a la docencia, al servicio de taxi, atención de su pollería.
La socia está feliz por el préstamo y se compromete a cumplir con los 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).

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
  • 41
    View loans »
    Peru Loans Fundraising
  • $64,459,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Juntas Y Unidas Group's $3,750 loan helped a member to purchase some discounted beauty products by catalog.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Feb 28, 2012
Mar 8, 2012
Currency Exchange Loss:
Jul 15, 2012