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Janet Norma
Janet is a young woman 24 years old. She's married and with her husband has a young child, age 2, whom she loves a lot. Above all, he's her reason for living and her goal for getting ahead every day to be able to give him a decent live with a lot of love.

Janet is very hardworking, and with a lot of effort she managed to start her business selling clothing three years ago. She can serve up to 15 customers a day, and with the fruit of her work she can help her husband with the household expenses and be able to get her young child ahead. She believes it's going well for her in her business because she's very friendly with the customers and especially because she has a great desire to get ahead.

Janet is very grateful to the Kiva lenders because thanks to their help she'll be able to buy merchandise for her business, such as jeans, track suits, shirts, and t-shirts, among other things.

This way she'll be able to have a greater variety of products and improve her income, which will allow her to continue to fight every day to make her biggest dream come true: "To give her son a good education and to be able to give him a better quality of life."
View original language description ↓
Janet es una joven de 24 años de edad, es casada y junto a su esposo tienen un pequeño de 2 años de edad, a quien quiere mucho y sobre todo porque es su razón de vivir y su motivo para salir adelante cada día para poder darle una vida digna y sobre todo con mucho amor. Janet es muy trabajadora y con mucho esfuerzo logro iniciar su negocio de venta de ropa desde hace 3 años, ella puede atender hasta 15 clientes al día, y con el fruto de su trabajo puede apoyar a su esposo con los gastos del hogar y poder sacar adelante a su pequeño; ella cree que le va bien en su negocio porque es muy amable con los clientes y sobre todo porque tiene muchas ganas de salir adelante.

Janet está muy agradecida con los prestatarios Kiva ya que gracias a la ayuda que le han brindado ella podrá comprar mercadería para su negocio como pantalones jeans, buzos, camisas, polos, entre otros; de esta manera podrá tener mayor variedad de productos y podrá mejorar sus ingresos, lo que le permitirá seguir luchando cada día para hacer realidad su más grande sueño:” Darle una buena educación a su hijo y poder darle una mejor calidad de vida”.

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 Peru

  • $12,000
    Average annual income
  • 128
    View loans »
    Peru Loans Fundraising
  • $58,863,350
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Janet Norma to buy jeans, track suits, shirts, t-shirts, and other clothing.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 28, 2012
Sep 24, 2012
Currency Exchange Loss:
Sep 17, 2013