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Virgen Del Carmen Group
In this Group: Petronila , Zosima , Dina , Julieta , Irene , Nicolaza , Marcelina Tulia , Felicitas , Francisca , Gladis , Marciano , Maribel , Esther , Geovana Noemi , William , Mery , Olimpia , Marcelino , Flora
The bank Virgen del Carmen begins its 17th cycle with 19 members. The associates are from the district of Pacaycasa, located 30 minutes from the city of Ayacucho.

The members have different businesses such as the production of bricks, animal sales, general groceries, fruit, cochineal insects, Tuna (a form of cactus), tara powder and cosmetics.

In the case of Zosima; she is 39 years old, married and has 2 children. Zosima and her husband buy and sell livestock, they buy it in the various fairs and towns and then sell in the San Juan fair. Zosima needs a loan of 600 soles, money which will be invested in the purchase of sheep.

On the other hand, Petronila is 38 years old, married and has 3 children. Petronila and her husband make a living manufacturing handcrafted bricks, and sell them in their community. Additionally, Petronila during Tuna cactus season, takes this fruit to the city of Lima.

In the meantime Francisca is 60 years old, married with 7 children. Francisca travels to the different towns where she buys guinea pigs and chickens that she later sells to restaurants. Also, Francisca grows tara, which she sell to intermediaries.

The partners need different loan amounts such as 300 soles, 600 soles, 900 soles 1000 soles, totaling to a loan of 13,250 soles in the Community Bank.

Their loan proceeds will be invested in the purchase of sheep, sand, guinea pigs, chickens, sugar, rice, noodles, small animals, tara, tuna and pay to the workers.

The dreams of the members are to have their own capital, proviD. a good education and good nutrition for their children, grow their businesses and live well with their families.
View original language description ↓
El Banco Virgen del Carmen inicia su 17 ciclo con 19 socias, las socias son del distrito D. Pacaycasa que se ubica a 30 minutos D. la ciudad D. Ayacucho.

Las socias realizan diferentes negocios como fabricación D. ladrillos, ventas D. animales, abarrotes en general, frutas, cochinilla, tuna, tara y cosméticos.

Como es el caso D. Zosima es casada, tiene 39 años y 2 hijos, Zosima junto a su esposo compran y venden ganados que compran en las diferentes ferias y pueblos, luego los comercializan en la feria D. San Juan, Zosima necesita un préstamo D. 600 soles dinero que será invertido en al compra D. ovejas.

Por otro lado Petronila es casada, tiene 38 años y 3 hijos, Petronila junto a su esposo se dedican a la fabricación D. ladrillos artesanales, sus ventas los realiza en la misma comunidad. Además Petronila en época D. producción D. Tuna lleva esta fruta a la ciudad D. Lima.

Mientras que Francisca es casada, tiene 60 años y 7 hijos, Francisca viaja a los diferentes pueblos en donD. compra cuy, gallina que luego comercializa en los restaurantes. Además Francisca cosecha tara que venD. a intermediarios.

Las socias necesitan diferentes montos D. prestamos como 300 soles, 600 soles, 900 soles, 1000 soles haciendo un total D. 13,250 soles D. prestamos en el Banco Comunal.

Sus prestamos serán invertidos en la compra D. oveja, arena, cuy, gallina, azucar, arroz, fideos, animales menores, tara, tuna y pago D. peones.

Los sueños D. las socias son tener capital propio, brindar una buena educación alimentación a sus hijos, sacar adelante su negocios y vivir bien con su familia.

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
  • 47
    View loans »
    Peru Loans Fundraising
  • $64,450,300
    Funds lent in using Kiva
  • 3.2
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A portion of Virgen Del Carmen Group's $4,200 loan helped a member for the purchase of sheep, sand, guinea pigs, chickens, sugar, rice, noodles, small animals, tara, tuna and pay for the workers.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jan 16, 2009
Feb 5, 2009
Currency Exchange Loss:
Aug 15, 2009