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Fredi Livia
Fredi is a 52-year-old woman who lives in the city of Chiclayo, in the district of Guadalupe, with her husband and their four children who she loves and who are her principal cause in life. She is a very friendly, hard-working and enthusiastic person who, along with her husband, works in the construction sector and dedicates all her effort to moving her family forward.

Regrettably, due to a lack of economic resources and the need to work, Fredi could not study the professional major of Nursing. In her free time she likes television and on some occasions she cooks delicious noodles to share with her family.

On her own initiative and with much dedication and determination, Fredi works offering transportation services. She has a small car in which she buses people from her district to the center of her city. She works every day starting in the early hours of the morning and she can work for approximately ten hours.

Fredi feels happy doing her work and she believes it is going well for her because of the good treatment she offers her clients. Fredi is very thankful for the Kiva lenders, since thanks to the help they offer she will be able to make repairs and do general maintenance to her car. In this way, Fredi will be able to have her working tool in better condition. Thus Fredi will continue working and striving to achieve her great dream to acquire more cars, and with them she hopes to start her own transportation business.
View original language description ↓
Fredi es una mujer de 52 años, vive en la ciudad de Chiclayo, en el distrito de Guadalupe con su esposo y sus cuatro 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, quien trabaja en el rubro de la construcción dedican todos sus esfuerzos por sacar adelante a su familia; lamentablemente por falta de recursos económicos y por la necesidad de trabajar, Fredi no pudo estudiar la carrera profesional de Enfermería, en sus ratos libres le gusta televisión y en algunas ocasiones cocina unos riquísimos Tallarines para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Fredi trabaja brindando servicios de transporte, ella cuenta con un pequeño auto, en el cual hace colectivo desde su distrito hasta el centro de su ciudad, ella trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas, Fredi se siente a gusto realizando su labor y cree que le va bien por el trato amable que brinda a sus clientes.
Fredi se encuentra muy agradecida con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá realizar la refacción y el mantenimiento general de su vehículo, de esta manera Fredi tendrá su herramienta de trabajo en mejores condiciones, así pues Fredi seguirá trabajando y esforzándose para lograr su gran sueño de adquirir otros autos y con ello desea iniciar su propia empresa de transporte.

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
  • 103
    View loans »
    Peru Loans Fundraising
  • $58,002,425
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $800 helped Fredi Livia to make repairs and generally maintain her vehicle.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 31, 2012
Jan 14, 2013
Currency Exchange Loss:
Jan 17, 2014