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Karol Estefani
Karol, 21, lives in the city of Chincha. A city with beautiful beaches, a varied gastronomy, and beautiful tourist sports such as the "San Jose" farm which among others, is a very popular with tourists.

Karol is very eager to get ahead, above all because she wants to be the pride of her family, especially her parents.

Karol works as a domestic servant. She works about nine hours a day and with the fruit of her labor she is able to study for her degree in IT and help out with the family expenses.

She believes she is getting ahead because she is honest, responsible and above all has many aspirations.

Karol is very thankful to the Kiva lenders because thanks to the help she has been given, she can improve the small room where she lives since it has cracks in the walls and humidity is leaking in.

This way she can improve her quality of life and keep fighting every day to make her biggest dream come true: "Graduate and be a successful professional".
View original language description ↓
Karol es una joven de 21 años de edad, vive en la ciudad de Chincha, ciudad con playas hermosas, una gastronomía variada, lugares turísticos hermosos como por ejemplo la hacienda “San Jose”, entre otros los cuales con muy visitados por los turistas. Karol es una joven con muchas ganas de salir adelante, sobre todo porque quiere ser orgullo de su familia y sobre todo de sus padres. Tal es así que Karol trabaja como empleada del hogar, ella trabaja alrededor de 9 horas al día y con el fruto estudia la carrera de Computación e informática y apoya con los gastos del hogar; ella cree que está saliendo adelante porque es honesta, responsable y sobre todo tiene muchas aspiraciones.

Karol está muy agradecida con los prestamistas kiva ya que gracias a la ayuda que le han brindado ella podrá mejorar el pequeño cuarto donde vive ya que presenta grietas en las paredes y el filtrado de humedad, así ella podrá mejorar su calidad de vida y seguir luchando cada día para poder hacer realidad su más grande sueño:” Terminar su carrera y poder ser una gran profesional”.

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 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.

About Peru

  • $12,000
    Average annual income
  • 85
    View loans »
    Peru Loans Fundraising
  • $59,005,925
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Karol Estefani to improve her housing.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 30, 2013
Apr 10, 2013
Currency Exchange Loss:
Mar 17, 2014