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Las Flores De Yanaconas Group
In this Group: Glendy Brislid*, Luz Marina*, Aidee, Yaneth Dora, Cristina, Rosa Maria, Nicolasa, Ana Maria, Martha Elena, Juliana, Edelmira
* not pictured
Eleven enterprising women in the rural community of Urubamba comprise the village bank “Las Flores de Yanaconas.” Urubamba is located in the Sacred Valley high up in the Andean mountains of Cusco, just a few hours from the ancient ruins of Macchu Picchu. Most of the village bank members are engaged in agricultural activities. Some raise small animals such as chickens and guinea pigs. Others have farms where they grow vegetables such as lettuce, carrots, and broccoli.

In the photo, Rosa María appears in the front row on the far right side. Rosa María is 42 years old and lives with her partner, who works as a driver and construction worker. She has three children who are 17, 20 and 24 years old. For ten years, Rosa Maria has been running two primary businesses from her home. One is a small grocery store, which supplies basic necessities including cooking oil, rice, and milk. In addition, Rosa Maria raises chickens in her front yard.

Rosa Maria is requesting part of the group loan of 9,100 soles in order to purchase more chickens and merchandise for her store. She says that the items that tend to run out most quickly are beer, sugar, milk, and rice. She hopes that all of her children will complete their education. In addition, she aspires to build her credit so that she can request larger loans in the future and continue investing in her businesses.

Two individuals in the photo are not members of the village bank and therefore their faces have been blurred.

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
  • 44
    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 portion of Las Flores De Yanaconas Group's $3,425 loan helped a member to buy chickens and grocery merchandise such as beer, sugar, and milk.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Mar 2, 2012
Mar 13, 2012
Currency Exchange Loss:
Sep 15, 2012