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Manuel Horacio
Manuel is a man of 30. He lives in the city of Chiclayo, in the district of Guadalupe. He is a very friendly, hard-working, and enthusiastic person who has a great desire to achieve. Thanks to his efforts and the support of his parents, Manuel was able to study the technical program in electricity that he wanted. In his free time he likes to play soccer, and sometimes he cooks a very delicious pasta dish to share with his family.

On his own initiative, and with great effort and dedication, Manuel works as a technician in a transportation business in his city. He works every day, doing electrical installation and maintenance work on vehicles. Manuel can work for about 10 hours and believes that it is going well for him because of his good performance and because of his friendly dealings with others.

Manuel is very grateful to the Kiva lenders, since thanks to the help offered he will be able to complete the improvement of his home, since he wants to buy construction materials and cover the costs of labor to progress with the construction of a room. Thus he will continue working and striving to achieve his great dream of having a safe and proper house.
View original language description ↓
Manuel es un hombre de 30 años, vive en la ciudad de Chiclayo, en el distrito de Guadalupe, el es una persona muy amable, trabajador y entusiasta, que tiene un gran deseo de superación; gracias a su esfuerzo y al apoyo de sus padres, Manuel pudo estudiar la carrera técnica de Electricidad que deseaba, en sus ratos libres le gusta jugar futbol y en algunas ocasiones cocina unos riquísimos Tallarines para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Manuel trabaja como técnico en una empresa de transporte de su ciudad, el trabaja todos los días realizando labores de instalación y mantenimiento eléctrico de unidades móviles, Manuel puede trabajar 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.
Manuel se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar el mejoramiento de su vivienda, ya que desea comprar materiales de construcción y cubrir los gastos de mano de obra para avanzar con la construcción de una habitación, así pues él seguirá trabajando y esforzándose para lograr su gran sueño de tener una vivienda segura y adecuada.

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
  • 127
    View loans »
    Peru Loans Fundraising
  • $60,116,750
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Manuel Horacio to make improvements on his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 27, 2013
May 19, 2013
Currency Exchange Loss:
May 17, 2014