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Julio Cesar
Julio, 22, lives in the city of Pisco, a city noted for its hot climate and agriculture, especially asparagus, cotton and grape growing, among others. Since he was little, Julio learned how to work since his parents were of limited economic resources. Because of that with much effort he succeeded in studying Administrative Engineering.

Julio works day to day for an institution in his city and is able to help his parents with household expenses with the fruits of his labor. Julio works about 9 yours daily and believes he’s getting ahead because he’s very responsible.

Julio is very grateful to Kiva lenders because thanks to the help they’ve given him he will be able to buy a motorcycle to use to get to work because his house is far and he’ll save on transportation costs this way and be able to continue striving to make his greatest dream reality: to own his own house and his own business.
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Julio tiene 22 años de edad, vive en la ciudad de Pisco, ciudad que se caracteriza por tener un clima cálido, asimismo se desarrolla la agricultura, en especial el cultivo de esparrago, algodón, uva, entre otros. Desde pequeño Julio aprendio a trabajar ya que sus padres tenían pocos recursos económicos, por ello y con mucho esfuerzo logro estudiar la carrera de Ingeniería administrativa.

Día a día Julio trabaja para una institución de su ciudad, con el fruto de su trabajo apoya a sus padres con los gastos del hogar, Julio trabaja alrededor de 9 horas al día y el cree que esta saliendo adelante porque es muy responsable.

Julio esta muy agradecido con los prestamistas Kiva ya que gracias a la ayuda que le han brindado el podrá comprar una pequeña moto para poder movilizarse a su centro de labores, ya que su vivienda se encuentra alejada y de esta manera podra ahorrar en movilidad y de esta manera podrá seguir luchando para poder hacer realidad su mas grande sueño:” Tener su casa propia y tener su negocio propio”.

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

  • $6,715
    Average annual income
  • 113
    View loans »
    Peru Loans Fundraising
  • $56,814,000
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD