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Jose Arturo
José is 31 year old man. He is single and lives in the city of Ica in the district of Santiago. He is a very friendly, hardworking and enthusiastic person who really wants to get ahead. Lamentably, because of a lack of financial resources, and out of a need to work to support his parents, José was unable to study the the major of education, but he really would have liked to do so. In his free time, he likes to watch television and sometimes cook a delicious arroz chaufa to share with his family.

With much hard work and dedication and thanks to the support of his parents, who taught him his craft, José works in his small business making and selling bread. He works every day starting very early and can work for about 10 hours. He is happy doing his work and believes that it is going well for him because of the friendly treatment he gives his customers.

José is very grateful to the Kiva lenders, since thanks to their help he will be able to buy a small motorcycle. This will help him be able to deliver his delicious bread in different places. This way, he can keep working and striving to achieve his dream os having a great bread bakery and getting ahead.
View original language description ↓
José es un hombre de 31 años, es soltero, vive en la ciudad de Ica, en el distrito de Santiago, él es una persona muy amable, trabajador y entusiasta, que tiene un gran deseo de superación; lamentablemente por falta de recursos económicos y por la necesidad de trabajar para apoyar a sus padres, José no pudo estudiar la carrera profesional de Educación, pero le hubiera gustado mucho poder hacerlo, en sus ratos libres le gusta distraerse viendo televisión y en algunas ocasiones cocina un riquísimo Arroz Chaufa para compartir con su familia.
Con mucho empeño, dedicación y gracias al apoyo de sus padres, quienes le enseñaron su labor, José trabaja como en su pequeño negocio de elaboración y venta de panes, él trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas, él se siente a gusto realizando su labor y cree que le va bien por el trato amable que brinda a sus clientes.
José se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de una pequeña moto, la cual le servirá de mucho para poder hacer la entrega de sus deliciosos panes en diferentes lugares, así pues él seguirá trabajando y esforzándose para lograr su gran sueño de tener una gran panadería y así poder salir adelante.

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

  • $12,000
    Average annual income
  • 127
    View loans »
    Peru Loans Fundraising
  • $57,346,375
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD