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Kervin Kharlaig
Kervin, 20, is single and lives in the city of Pisco with his parents and siblings. He is a very kind, hard-working, enthusiastic person with a great desire to get ahead. Unfortunately, due to a lack of economic resources and the need to work to help his parents, Kervin was unable to get a Business Administration degree as he would have liked. In his free time he enjoys sports and sometimes cooks a delicious seafood rice to share with family.

On his own initiative and with much hard work and dedication, Kervin works as an inventory operator for a sales company in his city. He works an average ten hours a day and believes things are going well for him because he is kind to others.

Kervin is very grateful to Kiva lenders because thanks to your help he will be able to buy groceries such as rice, sugar, vegetables, beverages and other items so he can start a small business in his home, a grocery store. He wants to earn extra income to pay for his university studies.
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Kervin es un hombre de 20 años, es soltero, vive en la ciudad de Pisco con sus padres y hermanos, el es una persona muy amable, trabajador 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, kervin no ha podido estudiar la carrera profesional de Administración de Empresas que desea, en sus ratos libres le gusta hacer deporte y en algunas ocasiones cocina un riquísimo Arroz con Mariscos para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Kervin trabaja como operario de inventario en una empresa comercial de su ciudad, el trabaja todos los días 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.
Kervin se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de abarrotes, como arroz, azúcar, menestras, bebidas y otros, los cuales le servirán de mucho para poder iniciar en su hogar un pequeño negocio de venta de abarrotes, de esta manera Kervin podrá obtener mayores ingresos económicos, los mismo que utilizara para poder estudiar una carrera 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 Peru

  • $12,000
    Average annual income
  • 106
    View loans »
    Peru Loans Fundraising
  • $57,944,700
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD