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Ricardo Julian
Ricardo is 41 years old. He lives in the Santiago District which is known for its farming and also for its agricultural export businesses. These bring a lot of jobs to the people in the area.
Ricardo is a hardworking man. Ever since he was a child he has worked. His parents were very poor and had to support the family. This is why he was only able to study until secondary school. He would have liked to study accounting. Ricardo is the father of two children, age 17 and 8. He is working very hard to bring them a better quality of life.
Every day Ricardo sells water in his district and also to the houses in the surrounding districts. He works about ten hours a day and serves about twenty customers a day. He thinks his business is going well because he is friendly to his customers and he works with a lot of enthusiasm.
Ricardo is thankful for the loans from KIVA. Thanks to the help they have given him, he was able to keep his vehicle in working order and to continue struggling to reach his greatest dream, “to give his children a good education”.
View original language description ↓
Ricardo es tiene 41 años de edad, vive en la distrito de Santiago, caracterizado por el desarrollo de la agricultura ya que podemos encontrar muchas empresas agroexportadoras, las cuales brindan muchos empleos a los pobladores del distrito, Ricardo es un hombre muy trabajador, desde muy pequeño aprendió lo que es trabajar ya que sus padres eran muy humildes y tuvo la necesidad de apoyarlos, por ello solo pudo estudiar hasta el quinto de secundaria, aunque le hubiera gustado mucho poder estudiar la carrera de Contabilidad. Ricardo es padre de 2 hijos, los cuales tiene 17 y 8 años y por quienes trabaja muy duro para poder brindarles una buena calidad de vida.

Día a día Ricardo trabaja vendiendo agua en su distrito así como también en los caseríos cercanos a su distrito, el trabaja alrededor de 10 horas al día y puede atender hasta 20 clientes al día; el cree que le va bien en su negocio porque es muy amable con los clientes y sobre todo porque trabaja con muchas ganas.

Ricardo esta muy agradecido con los prestatarios Kiva ya que gracias a la ayuda que le ha brindado el podrá comprar un toldo para su vehículo, así como también llantas nuevas, lo que le permitirá tener un vehículo en buenas condiciones y seguir trabajando para poder seguir luchando para poder hacer realidad su mas grande sueño:” Darle una buena educación a sus hijos”.

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

  • $6,715
    Average annual income
  • 33
    View loans »
    Peru Loans Fundraising
  • $55,912,525
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Ricardo Julian to buy a sunshade and new tires.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 29, 2012
Listed
Oct 29, 2012
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2013