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Ruth Marina
Ruth, 35, lives in the district of Parcona in Ica, Peru. She is the mother of a 7-year-old daughter who she loves very much. Every day she works tirelessly to give her daughter all the opportunities she can.

Ruth works every day in her small business selling health products. She spends around ten hours a day and uses the profits she makes to cover household expenses. She believes business is prospering because she is kind to customers and, also, because her daughter is her best motivation to get ahead.

Ruth is very grateful to Kiva lenders because thanks to your help she will be able to buy school supplies such as notebooks, uniforms, etc. for her daughter. Ruth will be able to continue working and providing for her daughter, while also striving to reach her goal of: "Giving her daughter a good education and owning a store one day".
View original language description ↓
Ruth tiene 35 años de edad, vive en el distrito de Parcona, Ica, Peru. Ruth es madre de una pequeña de 7 años de edad, a la cual ama muchísimo y por la cual lucha cada dia de manera incansable para brindarle lo mejor y que tenga mejores oportunidades para surgir.

Día a día Ruth trabaja en su pequeño negocio de venta de productos nutricionales, le dedica alrededor de 10 horas al día, y con el fruto de su trabajo puede solventar los gastos de su hogar; ella cree que esta saliendo adelante porque es muy amable con sus clientes y sobre todo porque tiene el mejor motivo para surgir, el cual es su hija.

Ruth está muy agradecida con los prestamistas kiva ya que gracias a la ayuda que le han brindado ella podrá comprar los útiles para su pequeño hijo como libros, cuadernos, uniformes, entre otros; de esta manera Ruth podrá seguir trabajando para sacar adelante a su hija y hacer realidad su más grande sueño:” Darle una profesión a su hija y tener un gran tienda”.

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
  • 131
    View loans »
    Peru Loans Fundraising
  • $58,863,350
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Ruth Marina to buy books, materials and other supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 4, 2013
Jun 5, 2013
Currency Exchange Loss:
Oct 17, 2013