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Francisca, 56, lives in the city of Chiclayo in the district of Guadalupe. She lives with her son, whom she loves and is the most important thing in her life. She is a very kind, hardworking and enthusiastic lady, who devotes all her time and effort into raising her son. Francisca has always been both a father and mother to him.

Unfortunately, due to a lack of financial resources Francisca had to start work from a young age to help her parents and could not pursue a professional career. In her spare time, she likes to raise and care for animals and sometimes cooks a delicious fried fish dish to share with her family.
Using her own initiative, and with much effort and dedication, Francisca works as a kitchen helper in a restaurant in her hometown. In addition, she also sells beauty products. She works every day, usually for around 10 hours. She enjoys her work and believes that her success is due to her good performance and the kind treatment she gives others.

Francisca is very grateful to Kiva lenders. Thanks to their assistance she will be able to purchase doors, windows and roofing sheets to help build her home, as she wants to move in as soon as possible. This loan will provide greater comfort and security for Francisca and her family, and she will continue to work and strive to achieve her dream of owning her own restaurant.
View original language description ↓
Francisca es una mujer de 56 años, vive en la ciudad de Chiclayo, en el distrito de Guadalupe con su 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 hijo, ya que ella siempre ha sido padre y madre para él; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar desde muy joven para ayudar a sus padres, Francisca no pudo estudiar una carrera profesional, en sus ratos libres le gusta criar y cuidar animales y en algunas ocasiones cocina un riquísimo Pescado Frito para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Francisca trabaja como ayudante de cocina en un restaurante de su ciudad, adicionalmente también se dedica a la venta de productos de belleza, ella trabaja todos los días y puede hacerlo por un aproximado de 10 horas, ella se siente a gusto realizando su labor y cree que le va bien por su buen desempeño y por el trato amable que brinda a los demás.
Francisca se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de puertas, ventanas y calaminas, los cuales le servirán de mucho para poder acondicionar su casa propia, ya que en poco tiempo desea mudarse a vivir en ella, de esta manera Francisca y su familia tendrán mayor bienestar y seguridad, así pues ella seguirá trabajando y esforzándose para lograr su gran sueño de tener su propio restaurante.

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
  • 115
    View loans »
    Peru Loans Fundraising
  • $60,091,700
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Francisca to purchase doors, windows and roofing sheets.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Apr 22, 2013
May 20, 2013
Currency Exchange Loss:
Jun 17, 2014