Humberto is 42 years old. He lives along with his partner and parents in a home that is shared by all. They live in the district of Tambogrande, a rural area in northern Peru that consists primarily of small farms.
Humberto and his father work together on a farm that is owned by the father. They raise mango and limes on their property, working long hours to protect the crop from pests and to maintain the attractive appearance of the fruit that is so prized in the international market. Additionally, they raise sheep and cattle, an activity that helps to stabilize the family income. They have worked the land and raised animals for many years and are very well respected in the area for their products.
Humberto’s father is over 70 years old and has limited access to credit due to worries about his health. Humberto is therefore the primary borrower and his father is acting as a guaranty. They plan to invest the funds in their farm in order to maintain production and improve their product.