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Rafael Carmelo
Rafael is a 55 year old man. He is single, lives in the city of Camaná, and is a very friendly, hardworking, and enthusiastic person who puts forth all of his efforts to get ahead. Unfortunately he had to go to work at an early age to help his parents, due to lack of financial resources. He was not able to study for a professional career, but he likes to visit his family and at times cook a delicious Chupe de Camarones to share with his family.

On his own initiative and with great dedication, Rafael works as a master construction worker and does various jobs such as working at local homes and other construction projects. He works about 10 hours a day and believes that things are going well for him because of the friendly treatment he gives to others.

Rafael is very grateful to the Kiva lenders and thanks to their help he has been able to make improvements to his home and he wants to put the finishings on it, paint the walls, and improve the roof. In this way Rafael will have better security and wellbeing.
View original language description ↓
Rafael es un hombre de 55 años, es soltero, vive en la ciudad de Camaná, el es una persona muy amable, trabajador y entusiasta, que dedica todos sus esfuerzos por salir adelante; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar desde muy joven para ayudar a sus padres, Rafael no pudo estudiar una carrera profesional, en sus ratos libres le gusta viajar para visitar a su familia y en algunas de estas ocasiones cocina un riquísimo Chupe de Camarones para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Rafael trabaja como maestro constructor, el realiza diversas obras como viviendas, locales y demás construcciones, el trabaja todos los días por un aproximado de 10 horas y cree que le va bien por los buenos acabados de sus trabajos y por el trato amable que brinda a los demás.
Rafael 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 hace el tarrajeo, pintado de paredes y mejoramiento del techado de su hogar, de esta manera Rafael tendrá mayor seguridad y bienestar.

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
  • 102
    View loans »
    Peru Loans Fundraising
  • $57,342,125
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD