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Kosñipata Group
In this Group: Juan De La Cruz , Dina Flora*, Carmen Luz, Juana, Natividad, Lucia, Feliciano, Edwin, Clara, Glorinda, Ricardina, Bernardo, Sixto*
* not pictured
This group of inhabitants from the city of Pilcopata gathered to create the "Kosñipata" communal bank in the Paucartamba province some years ago. There are not many industries, business or banks in Pilcopata but there are large plots of land for cultivating and so the majority of inhabitants work in farming, cattle-raising, and selling wood and fruits.

Lucia is 50 years old. She was born in the city of Puno but has lived in the city of Pilcopata for six years. She has a partner, with whom she has five children. Three of the children are now independent while two continue to live by her side. Lucia is responsible and friendly. She is moving ahead as her main work is growing coca plants and pineapples. On this occasion she needs a loan to buy more fertiliser. (In the photo Lucia is the one with her hand raised). (The two people in the separate photos sent their apologies as they were unable to be present at the meeting).

All of the members are grateful for the opportunity being provided and promise to make their respective repayments on time.
View original language description ↓
Un grupo de pobladores en la ciudad de Pilcopata formaron el banco comunal “Kosñipata” en la provincia de Paucartambo hace varios años atrás. En la ciudad de Pilcopata no existen muchas industrias, empresas, bancos pero existen grandes terrenos de cultivos por lo tanto la mayoría de los pobladores se dedican a la agricultura, a la ganadería, a la venta de madera y frutas.

Lucia tiene 50 años de edad y nació en la ciudad de Puno pero vive en la ciudad de Pilcopata desde hace 6 años, ella tiene una relación de unión libre de la cual cinco hijos de las cuales tres son independientes y dos todavía están a su lado, ella es una mujer responsable y amable que sale adelante pues su actividad económica principal es la cosecha de coca y piña, ella en esta oportunidad requiere el préstamo para comprar más fertilizantes. (Lucia en la fotografía está levantando la mano). (Las personas que aparecen en la parte inferior de la fotografía pidieron permiso para no estar presentes en la reunión).

Los socios en general agradecen la oportunidad brindada y se comprometen a cumplir con el pago de sus diferentes cuotas en los plazos establecidos.

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
  • 104
    View loans »
    Peru Loans Fundraising
  • $61,923,425
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Kosñipata Group's $6,775 loan helped a member to buy more fertiliser.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 23, 2013
Sep 10, 2013
Currency Exchange Loss:
Feb 17, 2014