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Alberto
Alberto is 23 years old and married to Esther. He has a three year old son and lives with his small family in a home that he bought from his aunt and uncle for a good price because he was young and a hard worker. He has plantations and raises organic cacao, palillo (similar to the guava-tree), and coffee. He works on the land he acquired with Esther, through the fruits of his labor in the first year as a couple. At first he had some financial problems because he was so young, however after a few years he showed that age is not an obstacle to getting ahead.

In order to have a more fluid campaign he needs to be able to count on working capital so that he can hire workers from the area so that he can speed up the farm work such as weeding and harvesting the cocoa pods. In order to improve his income in the future, he plans to start selling clothing and put his wife to work in this way, which is easier than working in the fields.

This will be his first loan through Kiva and he is very grateful for the opportunity and is committed to making his payments on time. He would like a loan of 3,000 PEN so that he can replace the existing columns in his home with solid cement columns, hoping to improve his quality of life and his family’s wellbeing.
View original language description ↓
Alberto de 23 años de edad , esta casado con Esther y tiene un hijo de tanto solo 3 años.Comparte sus vivencias familiares junto a su pequeña familia en una casa que sus tíos le vendieron a un precio bajo por ser un joven muy trabajador.Se dedica a la producción y mantenimiento de plantaciones agrícolas tales como el cacao orgánico, palillo y café.Realiza sus labores en una parcela que adquirió junto a Esther con el fruto de sus primeros años de trabajo en pareja.Inicialmente tuvo inconvenientes económicos debido a ser muy joven, no obstante con el transcurso de los años demostró a través de su trabajo que la edad no es un obstáculo cuando de salir adelante se trata.
Para desempeñar una campaña productiva de manera fluida es necesario contar con capital de trabajo para contratar trabajadores del lugar y acelerar las tareas agrícolas tales como son el retiro de maleza y cosecha de las mazorcas cacaoteras.Para mejorar sus ingresos a futuro planea iniciarse en la venta de ropa y ocupar laboralmente a su esposa en esta labor considerada algo más sencilla que el campo.Este es su primer crédito otorgado por Kiva y esta muy agradecido por la oportunidad brindada y se compromete a pagar sus cuotas de manera puntual .Desea contar con 3,000 nuevos soles para reemplazar las columnas de su vivienda por sólidas columnas de cemento esperando así mejorar su calidad de vida y bienestar familiar.

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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

  • $6,715
    Average annual income
  • 116
    View loans »
    Peru Loans Fundraising
  • $55,266,250
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD