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Jose Carlos
In the district of Santiago, a district characterized by its great green landscapes due to the agriculture that flourishes in the region, lives Jose, a hardworking humble man that little by little has been getting ahead despite adversity. This is especially because he lives at the side of his wife and 3 marvelous children, who are 8, 6 and 1 years old. Jose does whatever it takes to provide for them what they need to get ahead, and this daily sacrifice is to give them the opportunities that he never had. Thus, he works everyday as a tractor driver. In other words, he offers his services to plow the cropland of the farmers in the area. He works about 8 hours a day, but when there are agricultural campaigns he works extra hours, and with this has some extra income. He thinks that he is getting ahead in this work because he is very responsible and careful in his work.
Jose is very grateful to the Kiva lenders, since thanks to the help they have provided, he will be able to make the improvements to his home. Currently, his house is made of adobe (a kind of brick made of mud) and with this support, he will be able to work on constructing his home little by little of superior material (brick and cement). In this way, he will be able to improve his family’s quality of life and to continue working everyday to make his biggest dream, “to give his children good careers and to see his house completely finished”, a reality.
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En el distrito de Santiago, distrito caracterizado por sus grandes paisajes de color verde debido a la agricultura que se desarrolla en la zona, vive Jose, un hombre muy trabajador y de condición humilde que poco a poco ha ido saliendo adelante a pesar de las adversidades, sobre todo porque vive al lado de su esposa y de sus 3 maravillosos hijos los cuales tiene 8,6 y 1 añito y por ello Jose, Tal es así que Jose hace hasta lo imposible por brindarles lo necesario para salir adelante y su sacrificio diario es por darle las oportunidades que él no tuvo. Es así que cada día el trabaja como tractorista, es decir el ofrece sus servicios para realizar el arado de las tierras de cultivo de los agricultores de la zona, él labora alrededor de 8 horas al día pero cuando hay campañas de cultivo trabaja algunas horas mas y con ello tener un ingreso extra; él cree que está saliendo adelante en su trabajo porque es muy responsable y cuidadoso con su trabajo.

Jose está muy agradecido con los prestatarios Kiva ya que gracias a la ayuda que le han brindado el podrá realizar mejoras en su vivienda ya que actualmente su casa es de adobe (especie de ladrillo pero hecho de barro), y con este apoyo podrá ir construyendo su vivienda de a pocos de material noble (ladrillo y cemento),así el podrá mejorar la calidad de vida de su familia y seguir cada día trabajando para poder hacer realidad su más grande sueño:” Darle una buena profesión a sus hijos y ver su casa terminada completamente”.

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
  • 64
    View loans »
    Peru Loans Fundraising
  • $53,916,525
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD