Lucero, age 22, is the fourth of nine siblings. She lives with her mother, a housewife, and her father, a taxi driver. Neither of her parents has a higher education, and they wish for their daughter to have the opportunity that they did not have to become a professional.
In the afternoons Lucero worked at a natural products store. With this income she made her initial payment for her studies. However, the number of class hours has increased, and she has had to stop work because she did not have the time available to study. She has three younger siblings, and her parents are not able to help her financially. Therefore, she would not be able to continue studying without the help of the Kiva lenders.
Her dream is to be able to be a professional and to work at a textile company. She wants to do this in order to combine and create dying solutions. This way she will be able to help her family and her younger sister financially so that she will also be able to have a professional career.
She is profoundly grateful for the help that the Kiva lenders give to students like her. She thinks that education is something that makes you grow as a person. The knowledge that you acquire can be transmitted and positively influence the environment.
Lucero tiene 22 años y es la cuarta de nueve hermanos, vive con su madre, ama de casa, y su padre que es taxista. Ambos no cuentan con estudios superiores y desean, para su hija, la oportunidad que ellos no tuvieron de ser profesionales. Lucero trabajaba en una tienda de productos naturales por las tardes y con dicho ingreso pagaba inicialmente sus estudios, sin embargo el numero de horas de clase ha aumentado y ha tenido que dejar de laborar al no tener tiempo disponible para estudiar; tiene 3 hermanos menores y sus padres no pueden ayudarla económicamente por lo que no podría seguir estudiando sin el apoyo de los prestamistas de Kiva.
Su sueño es poder ser profesional y trabajar en una empresa textil para combinar y crear soluciones en teñido y así poder ayudar a su familia y a su hermana menor económicamente para que también pueda tener una carrera profesional.
Ella agradece profundamente la ayuda que los prestamistas de Kiva brindan a estudiantes como ella y piensa que la educación es algo que hace crecer a la gente como persona y que los conocimientos que adquieran pueden ser transmitidos e influenciar positivamente en su entorno.
More information about this loan
This loan is structured on Kiva.org as a bullet-loan, or featuring only a single payment at the end of the loan term. Kiva's partner IPFE offers students an optional grace period and flexible repayment schedule, as their capacity to repay is limited and often unpredictable during the course of their studies. This means that although this student client is likely to make a number of small, gradual repayments over the course of his or her loan term, Kiva and IPFE are unable to project when exactly these will occur. Therefore, although these payments have not been factored into the repayment plan on Kiva, you will likely be reimbursed for a portion of this loan before the bullet payment at the end of the loan term.
IPFE is a non-profit organization that was created to provide affordable credit facilities for students who want to gain access to quality higher education. IPFE benefits from a solid reputation with high profile personalities on its Board, which ensures solid ties to both the public and private sector in Peru.
IPFE seeks to expand its student loan portfolio by providing loans to the low-income population with the aim of securing jobs in the thriving technical industry. This will consequently lead to stronger economy and a lower unemployment rate in Peru.