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Carlos Miguel
Carlos is a young man who is 20 years of age. He lives in the city of Chincha with his parents and siblings. Carlos is a friendly, hardworking, and enthusiastic individual who has the drive to succeed. Thanks to his efforts and the support of his parents, Carlos was able to study for a professional degree in Industrial Engineering. In his free time, he enjoys listening to music. On a few occasions, he will prepare a dish of “frejoles con seco” (beans with stewed meat) to share with his family.


Through his own initiative and with great effort and dedication, Carlos works in the grocery department of a retail company in his city. He begins his work every day in the early morning hours and stays at his job for approximately 10 hours. Carlos enjoys what he does and believes he is doing well because he well-adjusted in his job and treats his customers in a friendly manner.


Carlos is extremely grateful to the Kiva lenders. Thanks to the assistance they have provided, he will be able to make improvements to his home. He wants to repair and paint the walls and also install a floor in his bedroom. This will provide Carlos with better security and well-being. He will continue to work and strive toward his greatest wish of becoming a successful professional and managing a large business.

View original language description ↓
Carlos es un joven de 20 años, es soltero, vive en la ciudad de Chincha con sus padres y hermanos, él es una persona muy amable, trabajador y entusiasta, que tiene un gran deseo de superación; gracias a su esfuerzo y al apoyo de sus padres, Carlos se encuentra estudiando la carrera profesional de Ingeniería Industrial, en sus ratos libres le gusta escuchar música y en algunas ocasiones cocina unos riquísimos Frejoles con Seco para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Carlos trabaja en la sección abarrotes de una empresa comercial de su ciudad, él trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas, Carlos se siente a gusto realizando su labor y cree que le va bien por su buen desempeño y por el trato amable que brinda a sus clientes.
Carlos se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar el mejoramiento de su vivienda, ya que desea arreglar las paredes, pintar y poner piso a su dormitorio, de esta manera Carlos tendrá mayor seguridad y bienestar, así pues él seguirá trabajando y esforzándose para lograr su gran sueño de ser un buen profesional y administrar una gran empresa.

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 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.

About Peru

  • $6,715
    Average annual income
  • 127
    View loans »
    Peru Loans Fundraising
  • $56,842,650
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $975 helped Carlos Miguel to pay for home improvements.
99% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 13, 2013
Listed
Feb 19, 2013
Currency Exchange Loss:
Possible
Ended:
Sep 20, 2014