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Juntas Y Unidas Group
In this Group: Maritza , Luisa , Maruja , Marleni Vanessa, Justina , Marilu , Karin Pilar , Luz Marina*, Guillermina , Diego Telma, Primitivo
* not pictured

Update on Juntas Y Unidas Group

This member belongs to the 'Juntas y Unidas' community bank which is located in Huanchac district, in Cusco province and department.

The member is 55-year-old Guillermina who is married, and has four children. She divides her time between her daily activities and her business making cakes and snacks for different events such as christenings, weddings, birthday parties, etc. In addition, she also embroiders and weaves. She sells her handicrafts to customers who request them such as friends and family members. She is a responsible and determined person who has a great desire to continue working for the sake of her family.

Guillermina is requesting this loan to buy supplies for making cakes such as flour, butter, eggs, etc.

The other members of this group work in different businesses. They sell building supplies, provide a taxi service, sell beauty products, run a restaurant, sell hardware, sell books, work as a teacher and work in tourism.

The person in the attached photo is a member who requested permission to arrive late to the meeting.

Guillermina feels grateful for the loan she is receiving and pledges to make her repayments according to schedule.
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 Guillermina ,la socia tiene 55 años de edad, casada y tiene 04 hijos, la socia alterna sus actividades diarias con el negocio de elaboración de tortas y bocaditos para los distintos compromisos que le solicitan como bautizos,matrimonios,fiestas de cumpleaños entre otros, la socia a la vez se dedica a la elaboración de bordados y tejidos, la socia vende estas manualidades a sus clientes que le solicitan como amistades y familiares, la socia es una persona responsable y empeñosa con muchas ganas de continuar trabajando por su familia.

La socia solicita el préstamo para la compra de insumos para la elaboración de tortas como harina, mantequilla, huevos entre otros.

Los otros socios se dedican a la venta de materiales de construcción, brindando el servicio de taxi, venta de productos de belleza, restaurante, ferretería, venta de libros, docente, turismo.

La persona que sale en la foto adjunta es socia que pidió permiso para llegar tarde a la reunion.

La socia se siente agradecida por el crédito otorgado y se compromete a cumplir con sus cuotas establecidas.

Previous Loan Details

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 cosmetic... More from Juntas Y Unidas Group's previous loan »

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).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 104
    View loans »
    Peru Loans Fundraising
  • $61,923,425
    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 $4,550 loan helped a member to buy supplies for making cakes such as flour, butter, eggs, etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 27, 2012
Jul 19, 2012
Currency Exchange Loss:
Nov 15, 2012