On his own initiative, and with much hard work and dedication, for the past year Carlos has worked as a field hand in an agricultural cooperative in his town. He works every day for approximately 10 hours and he believes that things are going well because he is responsible and he treats others well. Carlos is very thankful to the Kiva lenders, since thanks to their help he will be able to build the back section of his house. Currently it is made with wood and cane, which does not offer much security. Carlos will continue working and pushing himself in order to achieve his dream of having his own pastry business and thus to be able to get ahead.
Por iniciativa propia, con mucho empeño y dedicación, desde hace un año Carlos trabaja como obrero de campo en un fundo agrícola de su ciudad, él trabaja todos los días por un aproximado de 10 horas y cree que le va bien por su responsabilidad y por el trato amable que brinda a los demás.
Carlos se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrán realizar la construcción de la parte trasera de su vivienda, ya que actualmente está cercado de madera y cañas, las cuales no brindan seguridad, así pues Carlos seguirá trabajando y esforzándose para lograr su gran sueño de tener su propio negocio de pastelería y así poco a poco desea salir adelante.
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.
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