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Inversiones Carmen Alto Group
In this Group: Valentin Benigno, Mabel Julia, Maria Aurora, Mercedes Simeona, Yohan, Jose, Alicia, Julia, Yoni
These members are part of the Communal Bank “Inversiones Carmen Alto”, which is part of Asociación Arariwa. They live in the District of Echerate in La Convención Province, Cusco, Peru.

Maria Aurora is 40 years old. She is a hardworking and enterprising woman who has helped her family get ahead. Her business is in agriculture and she cultivates crops such as coffee, cacao, coca, and citrus fruits (oranges, limes, tangerines, and lemons). Maria Aurora is taking this opportunity to request a loan in order to buy compost and seeds.

The other group members engage in livestock breeding, farming, selling food, raising small animals, and providing other professional services. They appreciate those who have helped to full their dreams in this manner, so they promise to complete their payments according to the established terms.
View original language description ↓
Los socios pertenecen al banco comunal “INVERSIONES CARMEN ALTO” de la Asociación Arariwa y viven en el distrito de Echerate de la provincia de La Convención, Cusco, Perú. Maria Aurarora tiene 40 años y es una mujer trabajadora y emprendedora que saca adelante a su familia. Su actividad económica es la agricultura donde tiene plantaciones de café, cacao, coca y cítricos como por ejemplo naranjas, lima, mandarina y limón. En esta oportunidad requiere el préstamo para comprar abono y semillas. Los demás socios se dedican a la ganadería, a la agricultura, a la venta de comida, crianza de animales menores y otros brindan servicios profesionales. Los socios agradecen 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

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
  • 51
    View loans »
    Peru Loans Fundraising
  • $63,757,850
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Inversiones Carmen Alto Group's $4,750 loan helped a member to buy compost and seeds.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 15, 2014
Mar 21, 2014
Currency Exchange Loss:
Sep 19, 2014