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Hatun Tarpuy Group
In this Group: Marcelina, Julia, Leonilda, Paulina , Pastora, Leonarda, Benedicta, Livia, Lidia Haydee*, Zenaida, Paulina, Marcelina, Bertha, Celestina, Rosa, Mari Luz, Adela, Celia
* not pictured
The Hatun Tarpuy ("Big Planting") Village Bank is located in the Yaruca community, in Huamanga Province of Ayacucho District in central Peru. The Yaruca community is 3,200 meters above sea level and has a frigid climate, so the only local crops are potatoes. It is located on the left bank of the Vinchos River, and has a school for young children as well as an elementary school. Most of the village raises livestock, while some farm. Commerce is restricted to markets, where animals are bought and sold.

Benedicta and Marcelina are two members of the Hatun Tarpuy Village Bank:

Benedicta is married with four children who are 10, 8, 5 and 3 years old. Benedicta used to sell coca leaves to local farmers and travel to Nazca to sell coca and dried cactus plants, which she sold to be turned into dye. Today, she sells prepared meals in the marketplace and, thanks to loans from FINCA Peru, has been able to buy more utensils and serve more meals. She used to have to rush her clients to that they would finish eating and return their dishes, but today they can eat at a relaxed pace.

Benedicta plans to use her Kiva loan to buy bread, cheese and clothing to sell in the market. She dreams that her children will someday graduate with professional degrees, so as a start she wants to take them to the city of Ayacucho to get an education. She is saving for their sake and to be able to deal with any difficulties that might arise along the way.

Marcelina is married and has eight children ranging in age from 23 to 4 years old. She launched her business six years ago selling meals in local markets, and today she buys chickens, cheeses and cows to sell in Ayacucho and also owns a dry goods store. She says that her business used to be small and it was very difficult to work with so many children, but things have improved since then.

She plans to use her loan to buy more hens to take to Ayacucho and more merchandise to sell in her store. Her goals for the future are for her children to grow up to be working professionals and for her business to grow more. She is saving up to pay for her children’s schooling.

Additional Information

About FINCA Peru

This loan is administered by FINCA Peru, one of Kiva’s Field Partners in Peru. FINCA Peru is dedicated to empowering socially and economically disadvantaged women in Peru, contributing to the development of their families, and building sustainable communities.

In 1990, FINCA Peru began by lending to a small group of women widowed by the Shining Path terrorist movement in Ayacucho. Beyond loans and financial services, FINCA offers business development training, personal and family development training, gender empowerment sessions, life insurance products, and financial and social literacy sessions for the children of borrowers. Visit FINCA Peru’s Kiva Field Partner page to learn more.

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
  • 103
    View loans »
    Peru Loans Fundraising
  • $61,923,425
    Funds lent in using Kiva
  • 3.1
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Hatun Tarpuy Group's $2,825 loan helped a member to buy bread, cheese, clothing, and hens.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Nov 30, 2008
Dec 11, 2008
Currency Exchange Loss:
Jun 15, 2009