Giovana works as a kitchen assistant in a small restaurant. She works around ten hours per day and with the fruits of her labor she can help her parents with the home expenses. She believes she is successful because she is responsible and is a good cook.
Giovana appreciates the help that Kiva lenders give her, because she will be able to buy materials to improve her parents’ house. In particular, she wants to build a fence and improve the front of the house, which will result in better safety conditions. She will continue pursuing her biggest dream: “to study gastronomy and become a great chef.”
Giovana está muy agradecida con los prestatarios Kiva ya que gracias a la ayuda que le han brindado ella podrá comprar materiales para poder realizar mejoras en la vivienda de sus padres, especialmente construir un cerco para la vivienda y mejorar la fachada, de esta manera podrá tener mayor seguridad en su vivienda y poder seguir luchando para poder hacer realidad su más grande sueño:”Estudiar la carrera de gastronomía y ser una gran chef”.
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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