Unfortunately, due to lack of financial resources and because he needed to work from young age, José was not able to study to be a professional auto mechanic. In his free time he likes to cook a very delicious "Ají de Gallina," (traditional Peruvian dish, made with aji peppers, chicken, and a cream sauce) to share with his family.
Through his own initiative and with great deal of effort and dedication, José works in his small business selling plastic items. He works every day for approximately 10 hours, and carries on his sales using a small boat, which helps him to travel to small towns near his home. José believes that it is going well because of the good prices and the friendly way he serves his customers.
José is very grateful to the Kiva lenders, as thanks to the help provided he will be able to do improvements to his home. He wishes to buy wood, sheet metal roofing, nails, and other supplies that will be a great help to him in building onto the front part of his house. In this way he will be able to offer greater safety and well-being to his family.
José will continue working and doing his best to achieve his great dream of having a grocery store where he can work with his wife.
Por iniciativa propia, con mucho empeño y dedicación, Jose trabaja en su pequeño negocio de venta de plásticos, él trabaja todos los días por un aproximado de 10 horas y realiza sus ventas en una pequeña balsa, la cual le ayuda a transportarse pequeños pueblos cercanos a su hogar, Jose cree que le va bien por los buenos precios y por el trato amable que brinda a sus clientes.
Jose se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar el mejoramiento de su vivienda, ya que desea comprar madera, calaminas, clavos y otros, los cuales le servirán de mucho para poder construir la fechada de su vivienda, de esta manera él podrá brindar mayor seguridad y bienestar para su familia, así pues Jose seguirá trabajando y esforzándose para lograr su gran sueño de tener una tienda de abarrotes donde pueda trabajar con su esposa.
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.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
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