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Virgencita De Guadalupe Group
In this Group: Juliana, Vilma, Janeth Balbina, Leonarda, Julia, Marizol*, Yolanda, Juan Ramon, Beatriz
* not pictured

Update on Virgencita De Guadalupe Group

The members belong to the “Virgencita de Guadalupe”communal bank which is located in the district of Urubamba, belonging to the province of Urubamba and the department of Cusco.

The member in question is Juliana, who is married, 47 years old, and has two children. Juliana works in her grocery store business with goods such as rice, sugar, milk, biscuits and oil. She works from 8:00 a.m. until 7:00 p.m, and has already six years of experience in this sector and it is going very well.

Juliana dreams of expanding the grocery store. She is seeking this loan to buy rice, sugar, milk and oil.

The other members make their living in sales, selling livestock, corn, grocery store business and a foodstall.

Juliana thanks those who help her to realize this dream, via this means, and pledges to meet her repayments in the set timeframe.
View original language description ↓
Los socios pertenecen al banco comunal “VIRGENCITA DE GUADALUPE”; Este banco se ubicada en el distrito de Urubamba, perteneciente a la provincia de Urubamba y departamento de Cusco.

La socia es la Sra. Juliana ella es casada y tiene 47 años y tiene 2 hijos; La socia trabaja en su negocio de tienda de abarrotes como arroz, azúcar, leche, galletas y aceite, la socia trabaja desde las 8:00 a.m hasta las 7:00 p.m, la socia ya tiene 6 años en este negocio y le va muy bien, el sueño de la socia es ampliar el negocio de tienda de abarrotes. La socia solicita el crédito para comprar arroz, azúcar, leche y aceite.
Los otros socios se dedican al negocio de venta de venta de animales, negocio de venta de maíz, negocio de tienda de abarrotes y negocio de venta de comida.

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.

Previous Loan Details

Mrs. Vilma is 32 years old, single, has 2 children, and is a member of the group. She works selling clothing such as pants, polo shirts, shirts, and sweaters. She sells her clothing independently by taking it to her friends. She works from 8 a.m. to 5 p.m. and has been doing this for 5 years. Her... More from Virgencita De Guadalupe 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
  • 41
    View loans »
    Peru Loans Fundraising
  • $64,458,600
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Virgencita De Guadalupe Group's $4,725 loan helped a member to buy rice, sugar, milk and oil.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 16, 2013
May 12, 2013
Currency Exchange Loss:
Oct 17, 2013