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Wiñay Huayna Group
In this Group: Nelly, Zoila, Norma, Jaqueline, Victor Teodocio, Luis Felipe*, Gavina, Felipe, Elizabeth, Maria Graciela, Karen Janessi*, Bery Luz, Johana, Cesar Augusto
* not pictured

Update on Wiñay Huayna Group

These are the members of the “WIÑAY HUAYNA” communal bank, located in the Cusco district, province, and department.

Nelly is 42 years old, single, and has a son. She works her beauty products business and sells lipstick, creams, and perfumes and works from 8:00 am to 7:00 pm. She’s been doing this for several years and her dream is to have a shop where she can sell her beauty products. She is asking for this loan to buy creams, lipsticks, and perfumes.

The other members whose pictures were added to the photograph had their pictures taken after the meeting due to work commitments.

The other members sell eggs, clothing, and have grocery stores and weaving businesses.

She is grateful to those who are part of this dream through this means and is committed to making her payments on time.
View original language description ↓
Los socios pertenecen al banco comunal “WIÑAY HUAYNA”; Este banco se ubicada en el distrito de Cusco, perteneciente a la provincia de Cusco y departamento de Cusco.

La socia es la Sra. Nelly ella es soltera y tiene 42 años y tiene 1 hijo; La socia trabaja en su negocio de venta de productos de belleza, la socia vende lápiz labiales, cremas y perfumes, la socia trabaja desde las 8:00 a.m hasta las 7:00 p.m, la socia ya tiene varios años en este negocio, el sueño de la socia es tener un local donde pueda vender los productos de belleza. La socia solicita le crédito para comprar cremas, lápiz labiales y perfumes.

Los socios que están pegados a la foto grupal se les tomo la foto después de la reunión porque pidieron permiso por motivos de trabajo.

Los otros socios se dedican al negocio de venta de huevos, negocio de venta de ropa, negocio de tienda de abarrotes y negocio de venta de tejidos.

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.

Previous Loan Details

The members belong to the “Wiñay Huayna” communal bank located in Cusco District belonging to Cusco Province and Department. One of them is Zoila, 62. She’s married and has a son. She works in her business selling hard-boiled eggs and potatoes. She sells from place to place in various streets... More from Wiñay Huayna Group's previous loan »

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).

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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
  • 77
    View loans »
    Peru Loans Fundraising
  • $61,829,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A portion of Wiñay Huayna Group's $4,600 loan helped a member to buy merchandise.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Apr 22, 2014
Jun 4, 2014
Currency Exchange Loss:
Sep 19, 2014