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Jhoanna Smith
Jhoanna, 20, lives in the city of Cañete in the district of Imperial with her small son, who she loves very much and is her main motivation in life. She is a very kind, hard-working, enthusiastic person who works hard to provide for her son, since she is both mother and father to him. Unfortunately, due to a lack of resources and the need to cover expenses, Jhoanna was unable to get an accounting degree as she would have liked. In her free time she enjoys playing volley ball with friends and sometimes cooking a delicious "Cau Cau" stew to share with family.

Through a lot of hard work and enthusiasm, and thanks to support from her mother, Jhoanna works as a field hand on a farm in the city. On weekends, she also has her own business selling desserts and sweets. She starts work very early in the morning and works about ten hours a day. She enjoys her work and believes it is going well because she is responsible and provides good customer service.

Jhoanna is very grateful to Kiva lenders because thanks to them she will be able to buy a small case to display her desserts which will be very beneficial. Jhoanna will continue working and making every effort to reach her goal of becoming a successful professional.
View original language description ↓
Jhoanna es una joven de 20 años, vive en la ciudad de Cañete, en el distrito de Imperial con su pequeño hijo, a quien ama y es su principal razón en la vida, ella es una persona muy amable, trabajadora y entusiata, que dedica todos sus esfuerzos por sacar adelante a su pequeño, ya que ella es padre y madre para él; lamentablemente por falta de recursos económicos y por la necesidad de trabajar para solventar sus gastos, Jhoanna no pudo estudiar la carrera profesional de Contabilidad que deseaba, pero le gustaría mucho poder hacerlo, en sus ratos libres le gusta jugar vóley con sus amigas y en algunas ocasiones cocina un riquísimo Cau Cau para compartir con su familia.
Con mucho empeño, entusiasmo y gracias al apoyo de su Madre, Jhoanna trabaja como obrera de campo en un fundo agrícola de su ciudad, adicionalmente los fines de semana trabaja en su pequeño negocio de venta de postres y dulces, ella trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas, ella se siente a gusto trabajando y cree que le va bien por su responsabilidad y por el trato amable que brinda a sus clientes.
Jhoanna se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de una pequeña vitrina mostradora, la cual le servirá de mucho para poder exhibir mejor sus postres, de esta manera Jhoanna seguirá trabajando y esforzándose para lograr su gran sueño de convertirse en una buena profesional 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
  • 115
    View loans »
    Peru Loans Fundraising
  • $57,346,375
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD