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Concepcion Elena
Concepción is 19 years old. She is single and lives in the city of Chincha with her parents and siblings. She is a very friendly, hard-working, and enthusiastic person, who has a real drive to move forward. Unfortunately, due to a lack of economic resources and because she had to work to support her parents, Concepción was not able to study a degree in Computing and Information like she wanted to. In her free time, she likes to listen to music and sometimes she cooks a delicious Escabeche de Pollo (Chicken with Onion and Capers) to share with her family.

On her own initiative, and with a lot of effort and dedication, she works as a cashier and attends to customers in a pastry shop in her city. She works every day for approximately 12 hours and things are going well for her because she is responsible and she is friendly to others. Concepción is very grateful to Kiva lenders. Thanks to their help, she will be able to improve her home. She wants to plaster, paint, and put down a floor. This way, she and her family will have more security and wellbeing. Concepción will continue working and fighting to achieve her dream of becoming a professional.
View original language description ↓
Concepción es una joven de 19 años, es soltera, vive en la ciudad de Chincha con sus padres y hermanos, ella es una persona muy amable, trabajadora y entusiasta, que tiene un gran deseo de superación; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar para ayudar a sus padres, Concepcion no ha podido estudiar la carrera profesional de Computación e Informática que deseaba, en sus ratos libres le gusta escuchar música y en algunas ocasiones cocina un riquísimo Escabeche de Pollo para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Concepcion trabaja como cajera y brindando atención al público en una pastelería de su ciudad, ella trabaja todos los días por un aproximado de 12 horas y cree que le va bien su responsabilidad y por el trato amable que brinda a los demás.
Concepcion se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá el mejoramiento de su vivienda, ya que desea tarrajear, pintar y ponerle piso a una de su casa, de esta manera ella y su familia podrán contar con mayor seguridad y bienestar, así pues Concepción seguirá trabajando y esforzándose para lograr su gran sueño de convertirse en una buena 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
  • 156
    View loans »
    Peru Loans Fundraising
  • $60,187,950
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Concepcion Elena to make improvements to her home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 19, 2013
Apr 27, 2013
Currency Exchange Loss:
May 17, 2014