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Jose Francisco
Jose is a 44 year old man. He lives in the city of Pisco with his wife and their three children, whom he loves and who are his main reason for living. He is a friendly, hardworking and enthusiastic person. Together with his wife, he puts all of his efforts into getting his family ahead. Unfortunately, due to a lack of resources and out of a need to work since he was very young, Jose was unable to have the military career he wanted to have. In his free time, he likes to spend time in the countryside and on occasions, cook a delicious cuy chactado to share with his family.

On his own initiative, with much hard work and dedication, Jose works in a municipal business in his city. He works every day for approximately 10 hours and he thinks it is going well for him because of his hard work and the friendly way he treats others.

Jose is very grateful to the Kiva lenders, since thanks to their help he will be able to buy two shelves, a table and some general groceries. This way, Jose. with his wife's help, will be abel to start a small business selling groceries from their home. This will be very useful for them to achieve their dream of having a mini-market.
View original language description ↓
Jose es un hombre de 44 años, vive en la ciudad de Pisco con su esposa y sus tres hijos, a quienes ama y son su principal razón en la vida, él es una persona muy amable, trabajador y entusiasta, que junto con su esposa 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, Jose no pudo estudiar la carrera militar que deseaba, en sus ratos libres le gusta pasear por el campo y en algunas ocasiones cocina un riquísimo Cuy Chactado para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Jose trabaja como obrero en una empresa municipal de su ciudad, el trabaja todos los días por un aproximado de 10 horas y cree que le va bien por su buen desempeño y por el trato amable que brinda a los demás.
Jose se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de dos andamios, una mesa y abarrotes en general, de esta manera Jose con el apoyo de su esposa podrán iniciar un pequeño negocio de venta de abarrotes en su hogar, así pues podrán generar mayores ingresos económicos, los cuales le servirán de mucho para lograr su gran sueño de tener un minimarket.

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
  • 120
    View loans »
    Peru Loans Fundraising
  • $60,164,250
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Jose Francisco to buy two shelves, a table and some groceries.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Mar 27, 2013
Currency Exchange Loss:
Mar 17, 2014