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Los Andenes Group
In this Group: Gabina, Marina, Ricardina, Eveling, Maria Natividad, Delia, Doris, Victor*, Javier
* not pictured
The Los Andenes communal bank is a comprised of a group of friends and neighbors in the city of Yucay. The city of Yucay is 48 kilometers from Cusco. It is one of the most welcoming places in the Sacred Valley of the Incas because of its climate, pleasant scenery, and impressive terraced agriculture.

This communal bank is comprised of people who are constantly looking for opportunities to get ahead. Through their daily effort they are looking to give their children a better future.

Examples of the members’ business activities are selling food, selling meat, selling vegetables, raising small animals, and selling corn, and others.

Gabina was born in the Yucay district in the Urubamba province, and she lives in the same district in which she was born. She is 59 years old and married. Gabina’s business activity is making crafts.

She now needs the loan to buy work materials like paints, clay, and others.

The members are grateful for the opportunity that has been provided, and they pledge to make their payments as scheduled.

(The members who appear in the lower part of the photo arrived after the meeting.)
View original language description ↓
Un grupo de vecinos y amigos formaron el banco comunal “Los Andenes” en la ciudad de Yucay. La ciudad de Yucay está a 48 kilómetros de Cusco, es uno de los lugares más acogedores del Valle Sagrado de los Incas, por su clima, gratos paisajes e impresionantes andenerías. Este banco comunal está conformado por personas que buscan a cada momento las oportunidades para salir adelante y con su esfuerzo diario entregar un mejor futuro a sus hijos. Las actividades económicas de los socios son por ejemplo; venta de comestibles, venta de carne, la venta de verduras, crianza de animales menores, venta de jora y otras.

Gabina nació en el distrito de Yucay de la provincia del Urubamba y vive en el mismo distrito donde nació, ella tiene 59 años y es casada. Su actividad económica de Gabina es la elaboración de artesanía, ella en esta oportunidad requiere el préstamo para comprar materiales de trabajo como pinturas, arcilla y otras cosas más.
Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos. (Los socios que aparecen en la parte inferior de la fotografía llegaron después de la reunión).

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
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Los Andenes Group's $2,750 loan helped a member to buy work materials like paints, clay, and others.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 19, 2012
Feb 1, 2013
Currency Exchange Loss:
May 17, 2013