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Las Rosas De Calca Group
In this Group: Natividad, Nicolaza, Sofia, Maria, Florencio, Rosalia*, Rosa, Ermitanio, Wilbert
* not pictured
These members are part of the Communal Bank “Las Rosas de Calca” (The Roses of Calca), which is located in the District of Calca, Calca Province, Department of Cusco.

One of the members is Sra. Natividad. She is 33 years old, in a common-law relationship, and has four children. Natividad works at her grocery business. She sells basic necessities such as rice, sugar, milk, and oil. Natividad has a space at the market where her grocery store is located. She works from 8:00 A.M. to 6:00 P.M. Her business has been in existence for one year and it is doing very well. Her dream is to expand her grocery store. She is requesting a loan in order to buy milk, sugar, oil, and rice.

The other members engage in businesses such as selling wool, selling food, selling groceries, and selling vegetables.

Natividad is grateful to those who have helped fulfill her dream in this manner. Therefore, she promises to complete her payments according to the established terms.

View original language description ↓
Los socios pertenecen al banco comunal “LAS ROSAS DE CALCA”; Este banco se ubicada en el distrito de Calca, perteneciente a la provincia de Calca y departamento de Cusco.

La socia es la Sra. Natividad ella es conviviente y tiene 33 años y tiene 4 hijos; La socia trabaja en su negocio de tienda de abarrotes, la socia vende productos de primera necesidad como arroz,azúcar,leche y aceite, la socia tiene un puesto en el mercado que es una tienda de abarrotes, la socia trabaja desde las 8:00 a.m hasta las 6:00 p.m, la socia ya tiene 1 año 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 leche, azúcar, aceite y arroz.

Los otros socios se dedican al negocio de venta de leña, negocio de venta de comida, negocio de tienda de abarrotes y negocio de verduras.

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
  • 45
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Las Rosas De Calca Group's $4,000 loan helped a member to buy milk, sugar, oil, and rice.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 15, 2013
Jul 26, 2013
Currency Exchange Loss:
Jan 17, 2014