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Victor Manuel
Víctor is 62 years old. He lives in the city of Nazca with his wife and their four children, whom he loves very much. They are his biggest motivation in life. Víctor is a kind, hardworking, and enthusiastic person. In his free time, he likes to read and eat his wife's special dish, "Ají de Gallina" (Peruvian chicken stew in a spicy, nutty cheese sauce), which she makes to spoil him since it is his favorite dish.

Víctor and his wife have worked very hard to help their family get ahead. He studied Business Administration, and with much determination and dedication, Víctor has run his own small bookstore for many years now. Besides his inventory of books, Víctor also orders books requested by his customers. Each day he starts working very early in the morning and he often works up to 12 hours a day. Víctor believes that his business has gone so well for him because he is very welcoming with all his customers.

Víctor is very grateful for this Kiva loan because it will enable him to buy more books to stock his store. In this way, he hopes to increase his sales and, therefore, increase his profits. This will help him slowly grow his business.
View original language description ↓
Víctor es un hombre de 62 años, vive en la ciudad de Nazca con su esposa y sus cuatro hijos, a quienes ama y son su principal razón en la vida, él es una persona muy amable, trabajador y entusiasta, que junto con su esposa han dedicado todos sus esfuerzos por sacar adelante a su familia; gracias a su esfuerzo Víctor pudo estudiar la carrera técnica de Administración de Empresas, en sus ratos libres le gusta dedicar un poco de tiempo a la lectura y en algunas ocasiones su esposa cocina un riquísimo Ají de Gallina para engreírlo, ya que este es su plato favorito.
Con mucho empeño y dedicación, desde hace varios años Víctor trabaja en su pequeño negocio de venta de libros, todos los días desde tempranas horas de la mañana inicia su labor, él también compra libros de acuerdo a los pedidos de sus clientes, Víctor puede trabajar un aproximado de 12 horas diarias y cree que le va bien porque tiene buena acogida con sus clientes.
Víctor se encuentra muy agradecido con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de mayor cantidad de libros para abastecer su negocio; de esta manera Víctor espera aumentar sus ventas e incrementar sus ingresos económicos, los cuales le servirán de mucho para que poco a poco pueda ampliar su negocio.

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