Every day Miguel gets up very early to be able to arrive at work, since he works as an employee at an artichoke plantation. He works about 12 hours a day, and he believes that his work is going well for him because he is responsible and above all because he has a great will to advance.
Miguel is very grateful to the Kiva lenders, since thanks to the great help that they have offered him, he will be able to make improvements in his home, such as mending the cracked walls and being able to repair the roof of the house, since the rainy season is coming. In this way he will be able to offer a better quality of life to his family and continue working to see his greatest dream made a reality: to have his own business.
Cada dia Miguel se levanta muy temprano para poder acudir a su trabajo, ya que el labora como empleado en un fundo de alcachofas, el trabaja alrededor de 12 horas al dia y el cree que le va bien en su trabajo porque es responsable y sobre todo porque tiene muchas ganas de salir adelante.
Miguel esta muy agradecido con los prestatarios Kiva ya que gracias al gran apoyo que le han brindado el podra relizar mejoras en su vivienda como mejorar las paredes agrietadas y poder mejorar el techo de su vivienda ya que se acerca la temporada de lluvias; de esta manera podra brindarle una mejor calidad de vida a su familia y seguir luchando para ver hecho realidad su mas grande sueño:" Tener un negocio propio".
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 LurenCaja 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.
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