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Julia Noelia
Julia, age 37, lives with her husband and two small children in the city of Ica. She loves them, and they are her primary reason for living. She is a very kind, hard-working, and enthusiastic person. She and her husband devote all of their efforts towards getting their family ahead.

Thanks to her effort, Julia was able to study for a career as a professional secretary. Unfortunately, she has not been able to find work in this field. In her free time she likes to read novels, and she sometimes cooks the delicious ‘Tallarines Rojos’ [similar to spaghetti] to share with her family.

On her own initiative, and with great effort and diligence, Julia works in her small business selling groceries. She sells basic needs products and drinks. Julia works approximately ten hours every day. She believes it is going well for her because of the good prices and the kind service she gives her customers.

Julia is very grateful to the Kiva lenders. Thanks the help they have given her, she will be able to buy a display case, a refrigerator, shelving, and a variety of groceries and drinks. This way Julia will have her business in better condition and better stocked. She will do this in order to be able to tend to more customers. This way Julia will continue working and putting forth great effort in order to achieve her big dream of being able to expand her business.
View original language description ↓
Julia es una mujer de 37 años, vive en la ciudad de Ica con su esposo y 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 junto con su esposo dedican todos sus esfuerzos por sacar adelante a su familia, gracias a su esfuerzo Julia pudo estudiar la carrera profesional de Secretariado, lamentablemente no ha podido encontrar trabajo en este rubro, en sus ratos libres le gusta ver novelas y en algunas ocasiones cocina unos riquísimos Tallarines Rojos para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Julia trabaja en su pequeño negocio de venta de abarrotes, ella vende productos de primera necesidad y bebidas, Julia trabaja todos los días por un aproximado de 10 horas y cree que le va bien por los buenos precios y por el trato amable que brinda a sus clientes.
Julia se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de una vitrina, una nevera, un andamio, variedad de abarrotes y bebidas, de esta manera Julia tendrá su negocio mejor acondicionado y abastecido para poder atender a mas clientes, así pues Julia seguirá trabajando y esforzándose para lograr su gran sueño de poder 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

  • $6,715
    Average annual income
  • 110
    View loans »
    Peru Loans Fundraising
  • $56,074,975
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,000 helped Julia Noelia to buy a display case, a refrigerator, shelving, and a variety of groceries and drinks.
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Dec 5, 2012
Listed
Jan 5, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 17, 2014