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Melissa
Melissa, 20, is single and lives in the city of Camana with her parents and siblings. She is friendly, hardworking, enthusiastic, and eager to succeed. Melissa wasn't able to study agronomy as she wished because, sadly, she lacked the money to do so and had to work to help her parents. In her free time, she likes to walk on the city beaches and occasionally cook a delicious traditional chicken dish to share with her family.

With dedication and on her own initiative, Melissa works as a farmhand on several city plots, planting and picking crops every day from early morning for about 10 hours. She is grateful to Kiva lenders because their support will let her remodel her house. She wants to plaster the walls and lay a concrete floor, which will make her family safer and improve living conditions. Melissa will also be able to continue working and striving to achieve her great dream to study for a professional career.
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Melissa es una mujer de 20 años, es soltera, vive en la ciudad de Camana con sus padres y hermanos, ella es una persona muy amable, trabajadora y entusiasta, que tiene un gran deseo de superación; lamentablemente por falta de recursos económicos y por la necesidad que tiene de trabajar para ayudar a sus padres, Melissa no ha podido estudiar la carrera profesional de Agronomía que desea, en sus ratos libres le gusta pasear por las playas de su ciudad y en algunas ocasiones cocina un riquísimo Seco de Pollo para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Melissa trabaja como obrera de campo en algunas parcelas agrícolas de su ciudad, ella realiza labores de sembrado, recojo de cultivos y otros, Melissa trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas.
Melissa se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar el mejoramiento de su vivienda, ya que desea poder tarrajear y ponerle piso de concreto a su hogar, de esta manera ella y su familia tendrán mayor seguridad y bienestar, así pues Melissa seguirá trabajando y esforzándose para lograr su gran sueño de 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 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
  • 99
    View loans »
    Peru Loans Fundraising
  • $57,945,600
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD