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Renacer De Ipal Group
In this Group: Valentina, Salome, Francisca , Celia , Yoni, Dora , Clorinda , Irma *, Santos *, Nely Sinforosa , Mery Soledad , Luz Marina, Miguel Roger
* not pictured
Salome belongs to the communal bank RENACIENTES DE IPAL, which is located in the district of Vilcamba, province of La Convencion, department of Cusco.

She is 80 years old, a widow, and alternates her daily activities with her work in agriculture. She has been in business for years and things have gone well for her because of the hard work she does. Salome is responsible and persevering, and sells her goods to customers who request it. Her aim is to continue working to get ahead.

The borrower is requesting a loan to buy fertilizers for her cropland.

The other members are invoved in sales of vegetables, food and drink; agricultural services; fruit and vegetable cultivation; and raising small animals.

The member shown in the small photograph asked for permission to arrive late at the meeting because of work.

Salome is grateful for the loan and committed to paying it back on time.
View original language description ↓
La socia Salome pertenece al banco comunal RENACIENTES DE IPAL, el banco está ubicado en el distrito de Vilcabamba, provincia de La Convencion, departamento de Cusco.
La socia tiene 80 años de edad es viuda, la socia alterna sus actividades diarias dedicándose a la agricultura, la socia lleva años dedicándose a este negocio el cual le va bien gracias al empeño que le pone cada día a su negocio, la socia es una persona responsable y empeñosa, la socia vende su mercadería a sus clientes que le solictan, la socia desea poder seguir trabajando para de esta forma salir adelante.
La socia solicita el crédito para la compra de abono y fertilizantes para su chacra.
Los demás socios se dedican a la venta de verduras, alimentos y bebidas, servicios agropecuarios, cultivo de frutas y verduras, crianza de animales menores.
La socia que sale en la foto adjunta pidió permiso para llegar tarde a la reunión por motivos de trabajo.
La socia se siente agradecida por 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
  • 40
    View loans »
    Peru Loans Fundraising
  • $64,459,350
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Renacer De Ipal Group's $4,625 loan helped a member to buy fertilizers for her cropland.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 14, 2014
Feb 4, 2014
Currency Exchange Loss:
Aug 17, 2014