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Ruddy Aracely
Ruddy is 24 years old and lives in Huaraz with her three year old son, whom she loves very much and is her main reason for living. She is a friendly, hardworking, enthusiastic woman who puts forth all of her efforts to getting her son ahead. Unfortunately she was not able to study for a professional career due to a lack of resources, but she would have liked to do so. She likes to work in her spare time and sometimes prepares a delicious chicken and rice dish to share with her family.

On her own initiative, and with much dedication, Ruddy works her small business selling groceries. She works daily from early morning for about 12 hours. She believes that things are going well for her because of the good prices and friendly service she gives her customers.

Ruddy is very grateful to the Kiva lenders, because thanks to them she will be able to buy merchandise such as rice, sugar, milk, vegetables, drinks, and other things. In this way she will be able to stock her store and serve more customers. Ruddy will be able to continue working and making an effort to achieve her greatest dream of having her own mini market.
View original language description ↓
Ruddy es una mujer de 24 años, vive en la ciudad de Huaraz con su pequeño hijo de tres años, a quien ama y es su principal razón en la vida, ella es una persona muy amable, trabajadora y entusiasta, que dedica todos sus esfuerzos por sacar adelante a su pequeño; lamentablemente por falta de recursos económicos y por la necesidad de trabajar, Ruddy no pudo estudiar una carrera profesional, pero le hubiera gustado mucho poder hacerlo, en sus ratos libres le gusta seguir trabajando y en algunas ocasiones cocina un riquísimo Arroz con Pollo para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Ruddy trabaja en su pequeño negocio de venta de abarrotes, ella trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 12 horas, ella se siente a gusto realizando su labor y cree que le va bien por los buenos precios y por el trato amable que brinda a sus cliente.
Ruddy se encuentra muy agradecida con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de mercadería, tales como arroz, azúcar, leche, menestras, bebidas y otros, de esta manera tendrá mejor abastecido su negocio y podrá atender a mas clientes, así pues Ruddy seguirá trabajando y esforzándose para lograr su gran sueño de ampliar su negocio y tener su propio mini market.

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
  • 53
    View loans »
    Peru Loans Fundraising
  • $54,539,125
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD