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Miriam Janet
Miriam is a 30 year old woman. She lives in the city of Ica in the Santiago district with her small son, whom she loves. He is her main reason for living. She is a very kind, hard-working and enthusiastic person. She puts all of her efforts into getting her little one ahead. This is because Miriam is father and mother to him.

Sadly, due to the lack of financial resources and out of need, she has had to work ever since she was very young. Miriam was not able to study for a professional nursing career, but she would have liked to have been able to do so. In her free time she prepares a delicious ceviche to share with her family.

On her own initiative, and with great determination and dedication, Miriam works in her small business of selling clothes. Also, she sells supplies during the school season. She works every day for approximately ten hours. She believes that it is going well for her because of the good prices and the kind service that she offers her customers.

Miriam is very grateful to the Kiva lenders. Thanks to the help provided, she will be able to buy a greater quantity and variety of merchandise. She will buy things like jackets, tops, pants, sweaters, and others.

This way Miriam will have a better stocked business, and she will tend to more customers. This way she will continue working and putting forth effort in order to achiever her big dream of becoming a great entrepreneur.
View original language description ↓
Miriam es una mujer de 30 años, vive en la ciudad de Ica, en el distrito de Santiago con su pequeño hijo, a quien ama y es su principal razón en la vida, ella es una persona muy amable, trabajadora y entusiasta, que dedica todos sus esfuerzos por sacar adelante a su pequeño, ya que Miriam es padre y madre para él; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar desde muy joven, Miriam no pudo estudiar la carrera profesional de Enfermería, pero le hubiera gustado poder hacerlo, en sus ratos libres cocina un riquísimo Ceviche para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Miriam trabaja en su pequeño negocio de venta de ropa y adicionalmente por época escolar vende útiles, ella 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.
Miriam se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de mayor cantidad y variedad de mercadería, como casacas, polos, pantalones, chompas y otros, de esta manera Miriam tendrá mejor abastecido su negocio y atenderá a mas clientes, así pues ella seguirá trabajando y esforzándose para lograr su gran sueño de convertirse en una gran empresaria.

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

  • $6,715
    Average annual income
  • 76
    View loans »
    Peru Loans Fundraising
  • $55,189,275
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD