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Julio Cesar
Julio, who is 33, lives in Nazca, a city with a very warm climate and very beautiful and impressive tourist attractions. He is a very hardworking man who, from a very young age, learned to earn his daily bread with the sweat of his own brow, since his parents had few economic resources and he had to support them. Therefore, he was only able to study until the age of 16, although he would have liked to study Civil Engineering.

Julio works as a farm labourer every day and also has a plot of land on which he has sown tuna, a kind of cactus whose fruit is multi-coloured and very attractive. Furthermore, his plants have become infested with mealy bugs, a type of insect which lives on these types of plants and from which a kind of natural dye is obtained.

Julio believes that he is achieving success with his business because he is responsible and, above all, because he likes what he does. He is very grateful to Kiva lenders because, with the help that they provide, he can cover the costs of eradicating the mealy bugs, which involves buying special spatulas and brushes to collect them. This will enable him to grow his crops in an appropriate way and have a better harvest, so he can boost his income and continue striving to realise his greatest ambition: “to improve his quality of life".
View original language description ↓
En la ciudad de Nazca, ciudad con un clima muy caluroso y poseedor de atractivos turísticos muy bellos e impresionantes, vive Julio, quien tiene 33 años de edad, es un hombre muy trabajador y desde muy joven aprendió a ganarse el pan con el sudor de la frente, ya que sus padres tenían pocos recursos económicos y tuvo la necesidad de apoyarlos, por ello solo pudo estudiar hasta el quinto grado de secundaria, pero le hubiera gustado poder estudiar la carrera de Ingeniería Civil.

Día a día Julio trabaja como obrero agrícola y también tiene una parcela en la que actualmente ha sembrado tuna, el cual es una especie de cactus que tiene frutos de varios colores y son muy agradables, asimismo los ha infestado de cochinilla, la cual es una especie de insecto que vive en este tipo de plantas y del cual se obtiene una especie de tinte natural; él cree que está saliendo adelante con su trabajo porque es responsable y sobre todo porque le gusta lo que él hace.

Julio está muy agradecido con los prestamistas Kiva ya que gracias a la ayuda que le están brindando el podrá cubrir los gastos para realizar la cosecha de cochinilla ya que debe comprar espátulas y cepillos especiales para poder recolectar la cochinilla, de esta manera poder tener una mejor cosecha y sobre todo de manera adecuada, así el podrá tener mejores ingresos y seguir luchando para poder hacer realidad su mas grande sueño:” Mejorar su calidad de vida”.

Additional Information

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
  • 111
    View loans »
    Peru Loans Fundraising
  • $54,998,525
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Julio Cesar to buy spatulas and brushes for eradicating mealy bugs.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 19, 2013
Currency Exchange Loss:
Jan 17, 2014