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Jose Hermogenes
Jose, 68, lives in the city of Huaraz in the district of Carhuaz with his wife. He has two children and is a kind, hard-working person who does all he can to provide for his family. Unfortunately, due to a lack of economic resources and the need to work, Jose was unable to get professional training.

On his own initiative, Jose has a small business selling hats. He works about ten hours a day and believes things are going well for him because of his dedication and low prices.

Jose is very grateful to Kiva lenders because thanks to their support he will be able to buy more volume and a wider variety of merchandise. This will allow him to continue working and striving to reach his goal in life which is to lead a tranquil, peaceful existence.
View original language description ↓
Jose es un hombre de 68 años,vive en la ciudad de Huaraz,en el distrito de Carhuaz con su esposa, con quien tuvo 2 hijos, el es una persona amable, trabajador, que ha dedicado todos sus esfuerzos por sacar adelante a su familia; lamentablemente por falta de recursos económicos y por la necesidad de trabajar, Jose no pudo estudiar una carrera profesional.
Por iniciativa propia, Jose trabaja en su pequeño negocio de venta de gorros y sombreros, el trabaja todos los días por un aproximado de 10 horas y cree que le va bien por su dedicación y buenos precios.
Jose se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada comprará mayor cantidad y variedad de mercadería, así pues Jose seguirá trabajando y esforzándose para lograra su gran sueño de llevar una vida tranquila y apacible.

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
  • $57,341,375
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD