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Camino A La Excelencia Group
In this Group: Santos, Florencia*, Griseldina, Cristina, Eulogio, Luis Francisco, Juana, Florencia, Antonia
* not pictured
A group of friends and neighbors formed the “Camino a la Excelencia” (Road to Excellence) communal bank in the community of Totora. (The community of Totora is located in Challabamba District in Paucartambo Province in Cusco Department). This communal bank is composed of various people who are always seeking opportunities to get ahead and by means of their daily efforts to provide a better future for their children. The members work in agriculture, selling fruit, selling food, selling groceries, fattening up cattle, in animal husbandry and raising small farm animals, among others.

Juana, 24, has a son. She’s a responsible, kind person who moves her family forward. She was born in Challabamba District and still live in the district where she was born and where she carries out her economic activities. She works in agriculture for she has several parcels of farmland where she grows potatoes, barley, corn and other things. In her free time, she also raises small animals like guinea pigs and chickens. She’s a responsible person and her neighbors did not hesitate to invite her to participate in the communal bank.

On this occasion, Juana needs the loan to buy seeds and guinea pigs. The members in general appreciate the opportunity provided and commit to make their various payments according to schedule. (The people that appear on the bottom of the photo obtained permission to be in the photograph but could not make it to the reunion.)
View original language description ↓
Un grupo de vecinos y amigos formaron el banco comunal “Camino a la Excelencia” en la comunidad de Totora (La comunidad de Totora está ubicado en el distrito de Challabamba dentro de la provincia de Paucartambo del departamento del Cusco). Este banco comunal está conformado por varias personas que buscan a cada momento las oportunidades para salir adelante y con su esfuerzo diario entregar un mejor futuro a sus hijos. Los socios se dedican a la agricultura, a la venta de frutas, a la venta de comida, a la venta de comestibles, al engorde de ganado, a la ganadería, a la crianza de animales menores y otros.

Juana tiene 24 años de edad y tiene un hijo, ella es una persona responsable y amable que saca adelante a su familia, ella nació en el distrito de Challabamba pues vive en el mismo distrito donde nacio y donde realiza sus actividades económicas, ella se dedica a la agricultura pues tiene varios terrenos de cultivos donde siembra papa, cebada, maíz y otras cosas, también ella es sus horas libres se dedica a la crianza de animales menores como cuyes y pollo, ella es una persona responsable y sus vecinos no dudaron en invitarle a participar del banco comunal. En esta oportunidad Juana requiere el préstamo para comprar semillas y cuyes. Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos.(Las personas que aparecen en la parte inferior de la fotografía pidieron permiso para no estar presentes en la reunión)

Additional Information

More information about this loan

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
  • 78
    View loans »
    Peru Loans Fundraising
  • $61,860,275
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Camino A La Excelencia Group's $3,475 loan helped a member to buy seeds and guinea pigs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 9, 2013
May 24, 2013
Currency Exchange Loss:
Dec 17, 2013