Helmer opened a small business selling alfalfa. He works every day for approximately ten hours and believes that he does well because of his hard work and dedication.
Helmer feels grateful to Kiva lenders. Thanks to their help, he will make some home improvements. He needs to reinforce the roof and install the floor, which will result in safety and well-being for his family.
Por iniciativa propia, Helmer trabaja en su pequeño negocio de venta de alfalfa, el trabaja todos los días por un aproximado de 10 horas y cree que le va bien por su dedicación y esfuerzo.
Helmer se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada realizará el mejoramiento de su vivienda, ya que desea reforzar el techado y ponerle piso a su hogar, así pues brindara mayor seguridad y bienestar para su familia.
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 LurenCaja 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.
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