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Julio Cesar
Julio, 21, is a young man living in the city of Pisco noted for its hot, welcoming climate. Many tourist sites are also here that receive visitors year-round. Julio lives with his wife who is his right hand and who provides him with all the encouragement and support needed to get ahead. In his free time, Julio enjoys playing soccer with his friends and neighbors but also loves to eat one of his favorite dishes, the delicious Duck with Rice.

Julio works very hard every day as an employee in a firm; he works about 9 hours daily and is able to cover household expenses this way. He’s very grateful to Kiva lenders because thanks to the great help they’ve provided him, he’ll be able to buy building materials and supplies like cement and fine sand, among others, to do some home improvements, particularly repair the cracked walls. In this way, he’ll have a better living environment and will continue striving to reach his greatest dream: to own a house and have his own business.
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Julio es un joven de 21 años de edad, el vive en la ciudad de Pisco, la cual s e caracteriza por tener un clima muy cálido y acogedor, asimismo se pueden apreciar muchos atractivos turísticos, los cuales son muy visitados en cualquier época del año. Julio vive al lado de su esposa quien es su mano derecha y quien le brinda todo el ánimo y el apoyo para seguir adelante. En su tiempo libre a Julio le gusta mucho jugar futbol con sus amigos y vecinos de su barrio, pero le encanta también comer uno de sus platillos favoritos el cual es el riquísimo “Arroz con pato”.

Julio trabaja cada día con mucho empeño en una empresa como operario, el labora alrededor de 9 horas al día y con ello puede solventar los gastos de su hogar.

Julio está muy agradecido con los prestamistas kiva ya que gracias a la gran ayuda que le han brindado el podrá comprar materiales de construcción como cemento, pintura, arena fina, entre otros, con lo cual realizara mejoras en su vivienda, principalmente arreglos de las paredes que se encuentran resquebrajadas; de esta manera tendrá un mejor ambiente para vivir y seguirá esforzándose para poder hacer realidad su más grande sueño:”Tener su casa propia y tener un negocio propio”.

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

  • $6,715
    Average annual income
  • 109
    View loans »
    Peru Loans Fundraising
  • $54,998,525
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD