The applicant is 25 years old and lives with his parents in law. He has a three year old daughter and runs a taxi service. He rents the car from his in-laws. His wife sells beauty products but she was not considered at the time of evaluation since she didn't have the most recent income statement.
They are requesting a loan to cover personal expenses. They have good character references and a steady income. They are being proposed for a loan without using their house as collateral since they are committed and able to pay it back.
SOLICITANTE TIENE 25 AÑOS ES CONVIVIENTE VIVE EN CASA DE SUS SUEGROS TIENE UNA MENOR HIJA DE 3 AÑOS SE DEDICA AL SERVICIO DE TRANSPORTE ALQUILA EL CARRO DE SUS SUEGROS CONYUGE SE DEDICA ALA VENTA DE PRODUCTOS DE BELLEZA PERO NO LE A CONSIDERADO EN LA EVALUACION YA QUE NO CUENTA CON LAS ULTIMAS GUIAS, SOLICITAN EL CREDITO PARA GASTOS PERSONALES, CUENTAN CON BUENAS REFERENCIAS PERSONALES REGULAR ACUMULACION DE BIENES, SE LES PROPONE CREDITO SIN GARANTIA DE CASA POR CONTAR CON VOLUNTAD Y CAPACIDAD DE PAGO.
About Caja Rural Señor de Luren
Caja Rural Señor de Luren is a microfinance institution based in Ica in southern Peru that primarily promotes the development of the country’s agricultural sector through lending. Today, it also offers credit for consumers, microenterprises and housing improvements, and has expanded its financial services to promote micro-savings and provide micro-insurance. This institution has been instrumental in helping borrowers recover from the devastating earthquake in the Ica region in 2007, and works with Peru’s National Bank to reach some of the poorest and most remote microfinance clients in the country.