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Juan Carlos
Juan Carlos lives in Lima in his older sister’s house. He is close to finishing his technical studies in industrial electrical engineering. He has been keeping up with his studies with support from his family and with what he earns at his part time work as a night time security guard at a commercial establishment. Nevertheless, this would not be possible without the support of the Kiva lenders. This is because financial problems have prevented his family from being able to continue helping him pay for this educational cycle.

His goal is to be able to complete his education and to work hard in order to be the best in his profession and to innovate the industry.

Juan Carlos is grateful for the support of the Kiva lenders at this decisive time. It will allow him to successfully complete his studies.

He is convinced that the first step towards developing a better society is access to education. Therefore, he is grateful in the name of all of the students for such commendable work.
View original language description ↓
Juan Carlos vive en Lima en la casa de su hermana mayor, el esta cerca de concluir sus estudios técnicos en electrotecnia industrial los cuales estuvo siguiendo con apoyo de su familia y de lo que gana en su trabajo a medio tiempo como vigilante nocturno de un establecimiento comercial, sin embargo esto no sera posible sin el apoyo de los prestamistas de Kiva debido a que problemas económicos han impedido que su familia pueda seguir ayudándolo este ciclo a solventar sus estudios.
Su meta es poder concluir sus estudios, trabajar duro para ser el mejor en su profesión e innovar la industria.
Juan Carlos agradece el apoyo de los prestamistas de Kiva en este momento decisivo que le permitirá terminar con éxito sus estudios.
El esta convencido en que el primer paso hacia el desarrollo de una sociedad mejor es el acceso a la educación, por lo cual agradece en nombre de todos los estudiantes tan loable tarea.

Additional Information

More information about this loan

This loan is structured on 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.

About IPFE:

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.


About Peru

  • $12,000
    Average annual income
  • 120
    View loans »
    Peru Loans Fundraising
  • $60,164,250
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $1,625 helped Juan Carlos to pay for his industrial electrical engineering studies.
44% repaid
Repayment Term
23 months (Additional Information)
Repayment Schedule
At end of term
Apr 30, 2014
May 15, 2014
Currency Exchange Loss: