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Silvana Estefania
Silvana is an 18 year-old youth who lives in the city of Ica, which is a place known for its warm and welcoming climate. She works in agriculture, specifically; she cultivates grapes, asparagus, cotton, and other crops. Due to a lack of money, Silvana was only able to complete 5 years of secondary school, but she would have liked to have been able to study cosmetology.

Day by day Silvana works as an assistant at a stall, selling clothing. She works for about 9 hours a day, and she is able to tend to up to 20 customers per day. She believes that she is getting ahead because she is very friendly to the customers, and most of all, she is responsible and charming.

Silvana is very grateful to the Kiva lenders because thanks to their support, she will be able to buy a gas stove for her mother, who currently cooks with a kerosene stove. In this way, she will be able to improve her family's quality of life and continue her efforts to make her greatest dream a reality: to study cosmetology and have her own beauty spa.
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Silvana es un joven de 18 años de edad, vive en la ciudad de Ica, la cual se caracteriza por tener un clima cálido y acogedor; asimismo se desarrolla la agricultura, en especial se cultiva la uva, el esparrago, el algodón, entre otros. Debido a sus pocos recursos económicos Silvana solo pudo estudiar hasta el quinto grado de secundaria, pero le hubiera gustado estudiar la carrera de cosmeatria.

Día a día Silvana trabaja como ayudante en un puesto de venta de ropa, ella trabaja alrededor de 9 horas al día y puede llegar a atender hasta 20 clientes en el día, Ella cree que está saliendo adelante porque es muy amable con los clientes y sobre todo porque es responsable y carismática.

Silvana está muy agradecida con los prestamistas kiva ya que gracias a la ayuda que le han brindado ella podrá comprar una cocina a gas para su madre ya que actualmente cocina a kerosene, de esta manera podrá mejorar la calidad de vida de su familia y seguir esforzándose por hacer realidad su más grande sueño:” Estudiar la carrera de cosmeatria y poder tener su propio Spa”.

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
  • 93
    View loans »
    Peru Loans Fundraising
  • $57,986,025
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD