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Julio Cesar
Julio is a young man of 22. He lives in the city of Pisco, which is known for its warm and inviting climate and its beautiful landscape, which attract many visitors year round. Julio is a young man with a real drive to get ahead. Each day he works hard to make progress, particularly because he helps support his parents with household expenses because they do not have a lot of income.

Day to day, Julio is an agricultural worker on a farm in the city. He works around nine hours a day. He believes he will come out ahead because he is very responsible and strives to perform his work well.

Julio is very grateful for the support that Kiva lenders are offering him, because thanks to the help they have given him, he will be able to buy construction materials like cement, metal, sand, tiles, among others. This way, he will be able to make improvements to his parents' home and give them a better quality of life, so he can continue to strive to realize his greatest dream: to finish the construction of his parents house and be able to study in a university.
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Julio es un joven de 22 años de edad vive en la ciudad de Pisco , la cual se caracteriza por tener un clima cálido y acogedor, asimismo se caracteriza por poseer paisajes muy bonito los cuales son visitados por muchos turistas en todo el año. Julio es un joven con muchas ganas de salir adelante, por ello cada día se esfuerza mucho por progresar, sobre todo porque apoya a sus padres con los gastos del hogar, ya que no tienen muchos ingresos económicos.

Día a día Julio trabaja como operario en un fundo agrícola de la ciudad, el trabaja alrededor de 9 horas al día y el cree que esta saliendo adelante porque es muy responsable y porque se esfuerza por desempeñar bien su trabajo.

Julio está muy agradecida con el apoyo que le están brindado los prestamistas kiva ya que gracias a la ayuda que le han brindado el podrá comprar materiales de construcción como cemento, fierro, arena, mayólicas, entre otros, de esta manera podrá realizar mejoras en la vivienda de sus padres y podrá mejorar su calidad de vida, así el podrá seguir esforzándose por hacer realidad su más grande sueño:” Terminar de construir la vivienda de sus padres y poder estudiar una carrera universitaria”.

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
  • 131
    View loans »
    Peru Loans Fundraising
  • $58,903,675
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD
A loan of $1,300 helped Julio Cesar to buy materials like cement, metal, sand, tiles, among others.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 27, 2013
Jun 28, 2013
Currency Exchange Loss:
Jul 28, 2013