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Javier Enrique
Javier, 20, is single and lives in the city of Ica with his parents and siblings. He is a person who is kind, enthusiastic, and hardworking, and he has a strong desire to succeed. Unfortunately, due to a lack of financial resources and the need to work to help his parents, Javier has not been able to study for a degree in engineering systems, but he dreams of being able to do this. In his free time, he likes to play soccer with his friends, and at times he cooks the rich "lomo saltado" dish to share with his family.

On his own initiative, and with a lot of hard work and dedication, Javier has a small grocery store business. He works every day for about 10 hours, and he believes that it is going well because of his good prices and the friendly service he provides to his customers.

Javier is very grateful to the Kiva lenders, because thanks to the help they have provided he will be able to buy a greater quantity and variety of merchandise, such as candy, drinks, rice, sacks of sugar, beans, and other products. In this way, Javier will be able to have a store that is better stocked with merchandise and will be able to serve more customers, so that he can continue to work and strive to get ahead.
View original language description ↓
Javier es un hombre de 20 años, es soltero, vive en la ciudad de Ica con sus padres y hermanos, 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 que tuvo de trabajar para ayudar a sus padres, Javier no ha podido estudiar la carrera profesional de Ingeniería de Sistemas, pero sueña con poder hacerlo, en sus ratos libres le gusta jugar futbol con sus amigos y en algunas ocasiones cocina un riquísimo Lomo Saltado para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Javier trabaja en su pequeño negocio de venta de abarrotes, él 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.
Javier se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de mayor cantidad y variedad de mercadería, como golosinas, bebidas, arroz, azúcar por sacos, menestras y otros, de esta manera Javier tendrá su negocio mejor abastecido y podrá atender a mas clientes, así pues él seguirá trabajando y esforzándose para 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
  • 94
    View loans »
    Peru Loans Fundraising
  • $57,341,375
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD