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Tikarispa Group
In this Group: Rosa , Samuel, Zandro , Bacilia , Belisario*, Liz Sandra, Brisayda , Evaristo, Jabier
* not pictured
Rosa belongs to the communal bank Tikarispa. The bank is located in Rumichaca Baja, in the Urubamba district, Urubamba province, Urubamba region.

Group member Rosa is 37 years old. She is married and has five children. She alternates her time between her own activities and her business running a convenience store. She sells different types of products such as rice, sugar, milk, snacks, and soda, among others. She has been doing this work for a while now, and it is going well for her, thanks to the effort that she puts into it everyday. She also sells beer and chicha de jora (a drink made from corn). She is a responsible and diligent person, and this is the way that she gets her family ahead.

She is asking for the loan to buy beer for her business. Rosa feels thankful for the loan and is committed to making her agreed-upon payments.

The other members of the bank work in carpentry, raising small animals, as a construction foreman, as a mototaxi driver, and in agriculture.

The person whose face is covered (in the photo) is not a member of the communal bank.
View original language description ↓
La socia Rosa pertenece al banco comunal TIKARISPA, el banco está ubicado en Rumichaca Baja en el distrito de Urubamba, provincia de Urubamba y departamento de Urubamba.
La socia Rosa tiene 37 años de edad es casada y tiene 05 hijos, la socia alterna sus actividades diarias con el negocio de tienda de abarrotes, la socia vende diferentes tipos de productos como arroz, azúcar, leche, golosinas, gaseosas entre otros, la socia lleva buen tiempo dedicándose a este negocio el cual le va bien gracias al empeño que le pone cada di a su negocio, la socia la vez vende cerveza y chicha de jora(hecho a base de maíz),la socia es una persona responsable y empeñosa siendo de esta forma que la socia saca adelante a su familia.
La socia solicita el crédito para la compra de cerveza para su negocio.
La persona que sale con la cara tapada no pertenece al banco comunal.
Los demás socios se dedican a la carpintería, crianza de animales menores, maestro constructor albañil, mototaxi.agricultura.
La socia se siente agradecida con el crédito otorgado y se compromete a cumplir con sus cuotas establecidas.

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
  • 80
    View loans »
    Peru Loans Fundraising
  • $61,829,600
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Tikarispa Group's $2,550 loan helped a member to buy beer for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 31, 2013
Jan 9, 2014
Currency Exchange Loss:
Jul 17, 2014