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Ricardo Sneider
Ricardo is young, enthusiastic, and hard working. He lives in the city of Camana, known for having a warm and welcoming climate. There is much agriculture here, especially rice, beans, and other things. Because of his low financial resources, Ricardo was only able to study to middle school, but he would have liked to have attended university.

Each day Ricardo works as a delivery man for a small soft drink company. He works about 10 hours per day and supports his parents with the fruits of his labor. He believes that things are going well for him because he is responsible and honest.

Ricardo is grateful to the Kiva lenders who have made it possible for him to buy a small house, because he is living in a rented home. In this way he can improve his family’s quality of life and continue working to be able to achieve his greatest dream, “to have his own business and become a prosperous merchant.”
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Ricardo es un joven muy trabajador y entusiasta, vive en la ciudad de Camana, la cual se caracteriza por tener un clima cálido y acogedor, asimismo se desarrolla la agricultura, en especialmente se cultiva el arroz, frejoles, entre otros. Debido a sus pocos recursos económicos Ricardo solo pudo estudiar hasta el quinto grado de educación secundaria, pero le hubiera gustado poder estudiar en la universidad.

Cada día Ricardo trabaja como repartidor en una pequeña empresa de distribución de bebidas gaseosas, el trabaja alrededor de 10 horas al día y con el fruto de su trabajo apoya a su madre con los gastos del hogar; el cree que está saliendo adelante en su trabajo porque es muy responsable y honrado.

Ricardo está muy agradecido con los prestamistas Kiva ya que gracias a la ayuda que le han brindado el podrá comprar una pequeña vivienda, ya que actualmente está viviendo en una casa alquilada, de esta manera podrá ofrecer una mejor calidad de vida a su familia y poder seguir luchando para poder hacer realidad su más grande sueño:” Tener un negocio propio y ser un prospero comerciante”.

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
  • 125
    View loans »
    Peru Loans Fundraising
  • $56,161,425
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD