Karoline lives with her mother in Lima, the capital of Peru. She comes from a household of parents that are separated. Her mother has been father and mother to her. Her mother has been working hard as an independent nurse in order to get her ahead in her education.
Karoline is studying automobile mechanics, a career that is mainly dominated by men. Nevertheless, she is not intimidated. To the contrary, she took it as a challenge to give her maximum effort and to show that she is able to triumph and stand out in a normally masculine profession. Even though her career demands that she wear a uniform and get her hands dirty, she is a very happy and feminine girl. She really likes to look good.
She is currently in the fifth cycle, and she is a step away from completing her degree. There are six cycles in her career studies. However, the lack of work that her mother is experiencing makes it difficult to generate enough income to be able to cover her educational expenses. This situation means that she would need to leave her studies, with so little left to complete, if she does not have the support of the Kiva lenders.
Karoline is a tenacious young woman like her mother. She wants to make her mother proud of her, complete her career studies, and get ahead together. That is why she is very grateful for the support that the Kiva lenders give to young people like her who have a great desire to study and triumph in life, giving their maximum effort in order to do so.
Karoline vive con su madre en Lima, capital del Perú. Ella proviene de un hogar de padres separados y su madre a sido padre y madre para ella, trabajando duro como enfermera de manera independiente para sacarla adelante en sus estudios.
Karoline estudia mecánica automotriz, una carrera mayormente demandada por hombres, sin embargo ella no se amilana y por el contrario, lo toma como un reto para dar su máximo esfuerzo y demostrar que puede triunfar y destacarse en una profesión normalmente masculina. Aunque su carrera demande usar uniforme y ensuciarse las manos, ella es una chica muy alegre y femenina y gusta mucho de verse bien.
Ella esta actualmente en el 5to ciclo y esta a un paso de culminar su carrera, ya que son 6 ciclos los que dura su carrera, sin embargo la falta de trabajo que atraviesa su madre dificulta que se generen ingresos suficientes para poder cubrir sus gastos de estudios. Esta situación originaria que deba abandonarlos faltando tan poco para concluirlos de no contar con el apoyo de los prestamistas de Kiva para lograrlo.
Karoline es una joven luchadora como su madre y quiere hacerla sentir orgullosa de ella, culminar su carrera y salir adelante juntas, es por estoque agradece mucho el apoyo que los beneficiarios de Kiva dan a jóvenes que como ella tienen muchas ganas de estudiar y triunfar en la vida dando su máximo esfuerzo para lograrlo.
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.