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Jose Manuel
Jose is a 21 year old young man who lives in the city of Ica. The city is known for its warm and welcoming climate. Farming takes place in the city, especially cotton, grapes, and asparagus crops, among others, are cultivated.

When he has free time he likes to play soccer with his friends in the neighborhood. However, most of the time he likes to spend time with his family. He has two little ones, ages five and two. He adores and loves them a lot. He wishes for them to be better than he is. Most of all he wants to give them a decent life.

Due to his small amount of financial resources, he only went to high school. However, he would have liked to have had a university education.

Jose works day to day as a “mototaxi” [three wheeled motorized vehicle] driver. With the fruit of his work he is able to pay the household expenses. He works around 10 hours a day, and he can provide service for up to 40 customers daily. He believes that it is going well for him in his business because he is nice to his customers. Mostly it is because he always works with good cheer.

Jose is very grateful to the Kiva lenders. Thanks to the help they have given him he will be able to make improvements to his home. He will reinforce the roof because it is made of mats and reeds. He will buy roofing sheets in order to be able to cover it. With that he will have a better quality of life. He will be able to continue working in order to make his biggest dream come true: “To have a house made of solid material and to give his children a good education.”
View original language description ↓
Jose es un joven de 21 años de edad, vive en la ciudad de Ica, ciudad que se caracteriza por tener un clima cálido y acogedor, se desarrolla la agricultura, en especial los cultivos de algodón, uva, esparrago, entre otros. Cuando dispone de un tiempo libre le gusta mucho jugar futbol con sus amigos de su barrio, pero la mayoría de las veces le gusta pasar momentos de familia con sus 2 pequeños de 5 y 2 años, a quienes adora y quiere mucho ya que él desea que sean mejores que él y sobre todo porque quiere darle una vida digna. Debido a sus pocos recursos económicos él solo tuvo estudios secundarios, pero le hubiera gustado estudiar una carrera universitaria.

Día a día Jose trabaja como chofer de mototaxi, ya que con el fruto de esta trabajo el puede solventar los gastos de su hogar, él le dedica a su labor alrededor de 10 horas al día y puede atender hasta 40 clientes diariamente; él cree que le va bien en su negocio porque es muy amable con los clientes y sobre todo porque siempre trabaja con mucho ánimo.

Jose está muy agradecido con los prestatar5ios Kiva ay que gracias a la ayuda que le han brindado el podrá realizar mejoras en su vivienda, como reforzamiento de techo ya que este es de esteras y caña y comprara planchas de eternit para poder cubrirlo; con ello tendrá una mejor calidad de vida y podrá seguir trabajando para poder hacer realidad su más grande sueño:” Tener una casa de material noble y darle una buena educación a sus hijos”.

Additional Information

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.

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
  • 127
    View loans »
    Peru Loans Fundraising
  • $57,375,250
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD