Gabriel works day to day as a laborer on a large agricultural estate in his city. He works about 9 hours per day and helps with his family’s household expenses with the fruits of his labor. He believes he’s getting ahead because he’s responsible and because he very much wants to get ahead.
Gabriel is very grateful to Kiva lenders because thanks to the help they are giving him he will be able to buy building supplies like cement and sand, among others and will be able to do some home improvements; he will install a cement floor because it’s currently dirt and in this way will be able to improve his family’s quality of life and continue striving to make his greatest dream reality: to study a university career and have a business of his own.
Día a día Gabriel trabaja como obrero en un fundo agrícola de su ciudad, el trabaja alrededor de 9 horas al día y con el fruto de su trabajo apoya a su familia con los gastos del hogar, el cree que esta saliendo adelante porque es responsable y tiene muchas ganas de salir adelante.
Gabriel esta muy agradecido con los prestamistas kiva ya que gracias a la ayuda que le han brindado el podrá comprar materiales como cemento, arena, entre otros; realizar mejoras en su vivienda a que colocara un piso de cemento, ya que actualmente es de tierra, de esta manera el podrá mejorar la calidad de vida de su familia y seguir luchando para poder hacer realidad su mas grande sueño:” Estudiar una carrera universitaria y tener un negocio propio”.
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 LurenCaja 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.
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