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Villa Rayanniyoc Group
In this Group: Vanessa, Juana, Luciana*, Saturnina, Luisa, Luisa, Luisa, Virginia, Hipolita, Andrea, Fidelia, Paulina, Victor*, Angelica, Catalina, Teodora, Felicia, Bernardina Magdalena, Rocio
* not pictured
The members belong to Villa Rayanniyoc Communal Bank, located in the district of Taray in the province of Calca and department of Cusco.

The member, Vanessa, 20, lives with her partner and has one child. She works in her grocery store business selling household necessities such as rice, sugar, milk, and oil. She works from 8 a.m. until 10 p.m. With this business she gets her son ahead. Her dream is to expand and improve her grocery store business.

She is requesting the loan to buy wholesale grocery items such as rice, sugar, milk, and cookies.

The other members work in businesses selling animals, selling groceries, raising guinea pigs, selling grains, and selling vegetables.

She is grateful to everyone who is part of this dream and she promises to make her payments by the established deadline.
View original language description ↓
Los socios pertenecen al banco comunal “VILLA RAYANNIYOC”; Este banco se ubicada en el distrito de Taray, perteneciente a la provincia de Calca y departamento de Cusco.

La socia es la Sra. Vanessa ella es conviviente y tiene 20 años y tiene 1 hijo; La socia trabaja con su negocio de tienda de abarrotes, ella vende productos de primera necesidad como arroz, azúcar, leche y aceite, la socia trabaja desde las 8:00 a.m hasta las 10:00 p.m, por medio de este negocio la socia saca adelante a su hijo, el sueño de la socia es ampliar y mejorar el negocio de venta de tienda de abarrotes. La socia solicita el préstamo para comprar productos para la tienda de abarrotes como arroz, azúcar, leche y galletas al por mayor.
Los otros socios se dedican al negocio de venta de animales, negocio de tienda de abarrotes, negocio de crianza de cuyes y negocio de venta de cereales y negocio de venta de verduras.

La socia agradece a quienes forman parte de este sueño mediante este medio y se compromete a cumplir con el pago de sus cuotas en el plazo establecido.

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
  • 83
    View loans »
    Peru Loans Fundraising
  • $63,759,475
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Villa Rayanniyoc Group's $6,800 loan helped a member to buy wholesale rice, sugar, milk, and cookies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 22, 2012
Jun 26, 2012
Currency Exchange Loss:
Jan 15, 2013