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Mariella Margod
Mariella is a 31-year-old woman who lives in the city of Huaraz with her two small children, whom she loves and who are her main focus in life. She is a very kind, hardworking, and enthusiastic person who makes every effort to get her little ones ahead. Thanks to her hard work, Mariella was able to study law, but unfortunately she has not had much luck and has not been able to find work in this field. In her free time she likes to play with her little ones.

Thanks to her own initiative, Mariella works at her small grocery business with a great deal of effort and dedication. She sells different kinds of necessities. Mariella works every day starting early in the morning and she can go for about 12 hours. She feels comfortable doing her work and she thinks it is going well because of the nice way she treats her customers.

Mariella is very thankful to Kiva's lenders, as it is thanks to their help that she will be able to buy construction materials, such as cement, bricks, sand, and others. These will allow her to build and plaster the enclosure at the back of her house. She will keep working and applying herself to achieve her great dream of seeing her children become good professionals and good men.
View original language description ↓
Mariella es una mujer de 31 años, vive en la ciudad de Huaraz con sus dos pequeños hijos a quienes ama y son su principal razón en la vida, ella es una persona muy amable, trabajadora y entusiasta, que dedica todos sus esfuerzos por sacar adelante a sus pequeños; gracias a su esfuerzo Mariella pudo estudiar la carrera profesional de Derecho, lamentablemente no ha tenido mucha suerte y no ha podido encontrar trabajo en este rubro, en sus ratos libres le gusta le gusta jugar con sus pequeños
Por iniciativa propia, con mucho empeño y dedicación, Mariella trabaja en su pequeño negocio de venta de abarrotes, ella vende diversos productos de primera necesidad, Mariella trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 12 horas, ella se siente a gusto realizando su labor y cree que le va bien por el trato amable que brinda a sus clientes.
Mariella se encuentra muy agradecida con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de materiales de construcción, tales como cemento, ladrillos, arena y otros, de esta manera ella podrá hacer el cercado y tarrajeo de la parte trasera de su vivienda, así pues ella seguirá trabajando y esforzándose para lograr su gran sueño de ver a sus hijos convertidos en buenos profesionales y en hombres de bien.

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
  • 94
    View loans »
    Peru Loans Fundraising
  • $57,997,650
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,575 helped Mariella Margod to buy construction materials.
99% repaid
Repayment Term
22 months (Additional Information)
Repayment Schedule
Dec 11, 2012
Jan 4, 2013
Currency Exchange Loss:
Sep 20, 2014