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Mamacha Del Carmen-Vilcabamba Group
In this Group: Maria Dolores, Goya, Elza, Valentin*, Julia, Juan Francisco , Justina, Gregoria , Saturnina *, Dorotea , Daniel , Segundina
* not pictured
These people belong to the Mamacha de Carmen-Vilcabamba Community Bank located in the department of Cusco.

Sra. Dorothea is one of the members. She is single, 36 years old, and has three children. As well as her daily duties, she runs a corner store selling a variety of products such as sugar, milk, cookies, and soft drinks. It's a business she's had for many years and all is going well thanks to the hard work she puts in every day.

Dorotea works in her store during the day from Monday to Saturday. She is responsible and hardworking so that she can help her family get ahead. She is seeking a loan to buy stock for her store such as rice and milk.

The other members of the group have a variety of jobs: raising animals such as guinea pigs, raising cattle, carpentry, selling corn, grocery store, selling grain, selling adobe, and selling animals.

The man in the side photo explained he had arrived late to the meeting because of work commitments.

Dorotea is grateful to all those who are helping her achieve her dream and promises to pay back the loan according to the established schedule.
View original language description ↓
Los socios pertenecen al banco comunal “MAMACHA DEL CARMEN -VILCABAMBA”; Este banco esta ubicado en el departamento de Cusco.

La socia es la Sra. Dorotea ella es soltera y tiene 36 años y tiene 3 hijos; La socia alterna sus actividades diarias con el negocio de tienda de abarrotes, la socia vende diferentes tipos de productos como arroz, azucar, leche, golosinas, gaseosas entre otros, la socia lleva años en este negocio el cual le va bien gracias al empeño que le pone cada día a su negocio, la socia trabaja de lunes a sábado durante el dia en su negocio, la socia es una persona responsable y empeñosa siendo de esta forma que la socia saca adelante a su familia.

La socia solicita el crédito para la compra de mercadería como arroz y leche para su negocio.

Los otros socios se dedican a la crianza de animales menores como cuyes, ganadería, carpintería, venta de maiz, tienda de abarrotes, venta de granos secos, venta de adobes, venta de animales.

El socio que sale en la foto adjunta pidió permiso para llegar tarde a la reunión por motivos de trabajo.

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
  • 46
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Mamacha Del Carmen-Vilcabamba Group's $4,850 loan helped a member buy rice and milk for her corner store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 7, 2012
Dec 1, 2012
Currency Exchange Loss:
Jun 17, 2013