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Luz Marina
Luz is a 25-year-old woman. She lives in the city of Pisco with her husband and young son, whom she loves and is her main driving force in life. She is a very friendly, hard-working and enthusiastic woman who, along with her husband, does all she can to make sure that her family gets ahead in life. Unfortunately, due to a lack of financial resources and her need to work from a very young age, Luz was unable to study accountancy at university. In her free time she likes to watch television, and sometimes cooks a delicious red noodle dish which she shares with her family.

On her own initiative, and with a lot of effort and dedication, Luz works in her small business where she sells vegetables and corncobs. She works every day for about 10 hours, and thinks that her business does well because of her good prices and friendly customer service.

Luz is very thankful to the Kiva lenders, as thanks to the help they give she will be able to buy a small stall in her city’s central market. In this way, Luz will be able to obtain a higher number of customers, as well as being able to sell to them in a better location. She will continue to work hard so that she can make her dream of having her own house come true.
View original language description ↓
Luz es una mujer de 25 años, vive en la ciudad de Pisco con su esposo y su pequeño hijo, a quien ama y es su principal razón en la vida, ella es una persona muy amable, trabajadora y entusiasta, que junto con su esposo dedican todos sus esfuerzos por sacar adelante a su familia; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar desde muy joven, Luz no pudo estudiar la carrera profesional de Contabilidad, en sus ratos libres le gusta ver televisión y en algunas ocasiones cocina unos riquísimos Tallarines Rojos para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Luz trababa en su pequeño negocio de venta de verduras y choclo, ella trabaja todos los días por un aproximado de 10 horas y cree que le va bien por los buenos precios y por el trato amable que brinda a sus clientes.
Luz se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de un pequeño puesto de ventas en el mercado central de su ciudad, de esta manera Luz podrá conseguir mayor cantidad de clientes y podrá atenderlos en un lugar adecuado, así pues ella seguirá trabajando y esforzándose para lograr su gran sueño de tener su casa propia.

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
  • 125
    View loans »
    Peru Loans Fundraising
  • $57,923,600
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Luz Marina to buy a stall to sell her produce.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 15, 2013
Listed
Mar 19, 2013
Currency Exchange Loss:
Possible
Ended:
Apr 16, 2014