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Apu Siwina Group
In this Group: Roberta Line , Tomasa, Feliciana, Rebeca, Antonio*, Irma, Jaime*, Lazara, Lizbeth, Flavio, Bertha , Zenovia, Tomas Timoteo *, Florencia, Maria Concepcion
* not pictured
The Apu Siwina village bank was founded in September 2005. It is currently in the 3rd cycle of the 2nd stage; it consists of 15 members, 11 women and 4 men. It carries the name of the mountain which is the symbol of the city of Accha; the Apu Siwina mountain represents the figure of a woman. The Accha district in the Paruro province of Cusco, Peru is 3 hours from the city of Cusco by highway.

The members are women from the country-siD. whose families are generally involved in agriculture and farming activities; these women actively participate in the sales of their harvests--corn, potatoes and beans. They also sell small animals like pigs, poultry, and guinea pigs in the central markets of their district.

They value the financial services offered through the village bank, mostly due to the ease of use, the minimum requirements to qualify, and the fact that the money is delivered and returned in their own community. What they value most is the culture of savings that is encouraged through the Unity of Microfinances.
View original language description ↓

El banco comunal “APU SIWINA”, se fundo en septiembre del 2005, actualmente se encuentra en el III ciclo D. la segunda etapa, esta conformada por 15 socias, 11 mujeres y 4 hombres, lleva el nombre D. la montaña que es el símbolo del centro poblado D. ACCHA, el “APU SIWINA” montaña que representa la figura D. una mujer.
El distrito D. Accha D. la provincia D. Paruro, Dpto D. Cusco, se encuentra a 3 horas D. la ciudad del Cusco, por carretera afirmada.
Las socias son mujeres campesinas, que provienen D. unidades económicas familiares dedicadas a labores agropecuarias, donD. ellas participan activamente en la venta D. los excedentes D. las principales cosechas, maíz, papa y habas. Otra actividad es la venta D. animales menores, como cerdos, aves D. corral, cuyes. Actividades desarrolladas en los principales mercados del distrito.
En relación al servicio financiero valoran, la facilidad, los requisitos mínimos, la entrega y devolución en la misma comunidad. Sin embargo la valoración D. la cultura D. ahorro promovida por la Unidad D. Microfinazas tiene mayor importancia.

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).

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
  • 86
    View loans »
    Peru Loans Fundraising
  • $63,797,675
    Funds lent in using Kiva
  • 3.1
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Apu Siwina Group's $4,275 loan helped a member purchase and sales of agricultural products in the main markets of their district.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 20, 2008
Nov 23, 2008
Currency Exchange Loss:
May 15, 2009