Due to lack of economic resources, he could only study up to the third grade of secondary, but he would have liked to have a college degree. Every day Cesar works in a company as an employee, he works about 9 hours a day. With the fruits of his labor can help his parents with the home expenses. He believes he is doing well in his work because it is honest and responsible.
Cesar is very grateful with the Kiva borrowers since thanks to their help he will improve his home, especially the ceiling of his home since it is currently made of bamboo leaves and bamboo. With this improvement, he will have a better quality of life and will be able to continue fighting to realize his biggest dream; "Having his own home and to study a university career".
Día a día Cesar trabaja en una empresa como empleado, el labora alrededor de 9 horas al día, y con el fruto de su trabajo puede apoyar a sus padres con los gastos del hogar; él cree que está saliendo adelante en su trabajo porque es responsable y honrado.
Cesar está muy agradecido con los prestatarios Kiva ya que gracias a la ayuda que le han brindado el podrá realizar mejoras en su vivienda, especialmente cambiar el techo de su vivienda ya que actualmente es de esteras y caña, con esta mejora podrá tener una mejor calidad de vida y poder seguir luchando para poder hacer realidad su más grande sueño:” Tener una casa propia y poder estudiar una carrera universitaria”.
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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