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Humberto is an 18 year old young man who lives in the fine and generous city of Chincha, known as well for being the cradle of Peruvian sports greats and for its inhabitants, who have a marvelous talent for preparing delicious food. This is a city based on agriculture and livestock and above all a place where the indigenous dances of the country are performed, such as the “festejo,” “zamacueca,” and “landó,” among others.

Humberto is very hardworking however when he has a little spare time he enjoys listening to music and occasionally he loves eating one of his favorite dishes, the very delicious “ceviche.” Due to his scare financial resource he was only able to study until the fifth year of secondary school, however he would have liked to have attended the university.

Day after day, Humberto works in a textile business. He works about 12 hours a day and with the fruit of his work is barely able to pay his living expenses; he believes things are going well at work because he is very eager to get ahead.

Humberto is very grateful to Kiva lenders because, thanks to their great help, he will be able to make improvements on his dwelling, specifically repair the walls and install water piping because currently the pipes are rusty. Consequently he will be able to improve his quality of life and continue working to make his greatest dream a reality, that of “studying a profession.”
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Humberto es un joven de 18 años de edad, vive en la calidad y generosa ciudad de Chincha, la cual se caracteriza además por ser la cunda de grandes glorias del deporte peruano, asimismo sus pobladores tienen un maravilloso don para la preparación de platillos, ya que lo hacen de manera muy deliciosa, es una ciudad donde se desarrolla la agricultura y la ganadería y sobre todo donde se practica uno de los bailes típicos de nuestro país el cual es el festejo, la zamacueca, landó, entre otros. Humberto es muy trabajador, pero cuando tiene un tiempito libre le gusta mucho escuchar música, pero en algunas ocasiones le encanta comer uno de sus platillos favoritos el cual es el riquísimo “ceviche”. Debido a sus pocos recursos económicos el solo pudo estudiar hasta el quinto grado de educación secundaria, pero le hubiera gustado mucho tener una carrera universitaria.

Día a día Humberto trabaja en una empresa textil, el labora alrededor de 12 horas al día y con el fruto de su trabajo puede solventar los gastos de vivienda a duras penas; él cree que le va bien en su trabajo porque tiene muchas ganas de salir adelante.

Humberto está muy agradecido con los prestatarios Kiva ya que gracias a la gran ayuda que le han brindado el podrá realizar mejoras en su vivienda, en especial realizar refacciones en las paredes y realizar instalaciones para tubería de agua, ya que actualmente las tuberías están oxidadas , de esta manera el podrá mejorar su calidad de vida y seguirá trabajando para poder hacer realidad su mas grande sueño:”Estudiar una profesión”.

Additional Information

More information about this loan

This loan is designed for people who have no access to financial services because they lack collateral or credit history, or run informal businesses. Caja Señor de Luren identifies these clients through a unique scoring system that evaluates their repayment capacity based on socio-economic and demographic indicators. The goal is to expand access to credit to vulnerable borrowers, empowering them to improve their income and living conditions.

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
  • 96
    View loans »
    Peru Loans Fundraising
  • $57,954,100
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Humberto to improve his dwelling (repair the walls and replace the piping).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 18, 2012
Sep 23, 2012
Currency Exchange Loss:
Sep 17, 2013