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Irma
36 year old Irma is a cheerful woman. She lives with Gregorio, her husband of 8 years. Together they have 3 small children who they care for in a rented house in the Acraquia area. She feels very happy as she is on the point of owning her own house to live in. She makes a living in multiple ways. During the mornings, she works in a house where she cooks and cleans, and, in the afternoons, she works at a new university that is being built. The state pays her a monthly wage for cleaning services here. But the activity that she never fails to develop is farming. She grows corn, barley, and potatoes on her own land. At each harvest, and after much care, she sells her crops at the main market and also takes advantage of the opportunity to sell the animals that she raises, which include cows, sheep, and chickens. She would like to spend all her time farming but, as she says, "this is a long-term investment." So, she has to generate income to cover the costs of feeding and educating her children. This is her second loan from MFP, and she is waiting for a small loan so she can meet her goals. She promises to make her repayments. She is grateful to be part of the community bank because all the members are responsible and united people. On receiving her loan, Irma will use it for building her new house, which she will own. She will buy windows, doors, and other items.
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Irma, de 36 años es una mujer alegre. Vive en compañía de Gregorio, su esposo desde hace 8 años. Ambos tienen 3 hijos menores a los que cuidan en una casa alquilada, ubicada en la localidad de Acraquia. Se siente muy feliz, ya que está a punto de tener una casa propia donde vivir. La actividad que desarrolla es múltiple. Cuenta que durante las mañanas trabaja en una casa donde cocina y limpia, ya por las tardes en la construcción de una nueva universidad, donde la paga el estado un sueldo mensual por sus servicios de limpieza. Pero la actividad que nunca deja de desarrollar es la agricultura. Siembra maíz, cebada y papa en sus terrenos agrícolas que son propios. En cada cosecha y después de mucho cuidado, los comercializa al mercado mayorista de su localidad, donde aprovecha para vender los animales que cuida, entre vacas, cerdos, ovejas y gallinas. Le gustaría dedicar todo su tiempo a esto, pero como ella dice “son inversiones a largo plazo”. Por ello tiene que generar ingresos que le permita solventar los gastos de alimentación y estudios para sus hijos. Este es el segundo crédito con MFP, donde espera de un pequeño préstamo para que pueda cumplir con sus objetivos. Por otro lado promete una vez más cumplir con el pago de sus cuotas. Además le agrada ser parte de su asociación porque todos sus integrantes son personas responsables y solidarias. Irma de recibir su apoyo; invertirá el dinero solicitado en la construcción de su nueva casa, que es propia. Comprará ventanas, puertas y demás accesorios.

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About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Peru

  • $12,000
    Average annual income
  • 125
    View loans »
    Peru Loans Fundraising
  • $57,923,600
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD