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Patron San Cristobal Group
In this Group: Yajaira Ambar*, Mario Fernando, Hilda Bernardina, Gloria, Saira Marilia, Leyda Mariela, Sandro Juvenal, Glenda , Ricardo, Luis Gabriel*, Elizabeth
* not pictured
The members belong to the communal bank “Patron San Cristobal.” This bank is located in the district of Cusco, belonging to the province of Cusco and the department of Cusco.

One of the members is Hilda. She is single. She is 60 years old and she has five children. She alternates her daily activities with the business of selling cosmetics like perfumes, colognes, creams and so on. She sells in an independent manner to all of her friends and family members among other people. She has been in this business for years which is going well for her thanks to the efforts that she puts into her business every day. In this way she is able to get ahead with her family.

Hilda is requesting the loan to purchase ladies' perfumes for her business. The other members work selling clothes, in a beauty salon and as workers in private companies.

She is grateful to those who are a part of this dream by means of this method and she promises to comply with the payment of her installments in the established period of time.
View original language description ↓
Los socios pertenecen al banco comunal “PATRON SAN CRISTOBAL”; Este banco se ubicado en el distrito de Cusco, perteneciente a la provincia de Cusco y departamento de Cusco.
La socia es la Sra. Hilda ella es soltera tiene 60 años de edad y tiene 05 hijos; La socia alterna sus actividades diarias con el negocio de venta de cosméticos como perfumes, colonias, cremas entre otros, la socia vende de forma independiente a todas sus amistades, familiares 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, siendo de esta forma que la socia saca adelante a su familia.
La socia solicita el crédito para la compra de perfumes para damas para su negocio.
Los otros socios se dedican a la venta de ropas, salón de belleza y trabajadores de empresas privadas.
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
  • 85
    View loans »
    Peru Loans Fundraising
  • $63,797,675
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Patron San Cristobal Group's $4,675 loan helped a member to purchase ladies' perfumes for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 10, 2013
Jun 10, 2013
Currency Exchange Loss:
Dec 17, 2013