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Jose Ignacio
Jose is 39 and lives in the city of Imperial, which has a hot and welcoming climate. Agriculture, especially apple cultivation, is common there. Jose is a very hard-working man, because he supports his parents; they do not have many economic resources. He learned to earn his daily bread with the sweat of his brow at a very young age. This is why he only attended school until the fifth grade of secondary school. He would have liked to study to be a mechanic.
Jose works day in, day out, at the municipal slaughterhouse, where beef and pork are sold. He works around nine hours per day, and believes that he is getting ahead because he is very responsible and, above all, polite and thoughtful.
Jose is very grateful to the Kiva lenders, since thanks to their support he will be able to install a cement floor in his home. This will improve his family's quality of life, and he will be able to keep working toward his greatest dream: "To study at a university and to be able to help my siblings to succeed".
View original language description ↓
Jose tiene 39 años de edad, vive en la ciudad de Imperial, la cual tiene un clima cálido y acogedor, asimismo se desarrolla la agricultura, en especial el cultivo de manzana. Jose es un hombre muy trabajador, sobre todo porque apoya a sus padres, quienes no tienen muchos ingresos económicos. Desde muy joven aprendió a ganarse el pan con el sudor de la frente, es por ello que solo estudio hasta el quinto grado de secundaria, pero le hubiera gustado estudiar la carrera de mecánica.

Día a día Jose trabaja en el camal municipal, lugar donde se vende la carne de ganado vacuno y porcino, Jose trabaja alrededor de 9 horas al día y el cree que está saliendo adelante porque es muy responsable y sobre todo porque es muy cumplido.

Jose esta muy agradecido con los prestamistas kiva ya que gracias a la ayuda que le han brindado el podrá colocar piso de cemento a la vivienda donde habita, con lo cual podrá mejorar la calidad de vida de su familia y seguir luchando para poder hacer realidad su más grande sueño:” Estudiar una carrera universitaria y poder apoyar a sus hermanos a salir adelante”.

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
  • 83
    View loans »
    Peru Loans Fundraising
  • $58,960,675
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Jose Ignacio to install a cement floor in his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 30, 2013
Aug 1, 2013
Currency Exchange Loss:
Apr 16, 2014