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Cinthia Monica
Cinthia is 21 years old and lives in the city of Ica, a generous city with a warm and inviting climate. Here farming is prevalent, especially the growing of cotton, grapes, asparagus and others. Cinthia is a very hard working young woman. At a very young age she has learned to earn her bread by the sweat of her brow, since her parents have few financial resources and for this reason she has had to work to help them.

Day in and day out Cinthia works in a small restaurant as a waitress. She works about 9 hours a day and with her income she can help with the household expenses. She believes that she is doing well at her work because she is kind and responsible.

Cinthia is very grateful to the Kiva lenders because thanks to the help that they provided her she will be able to make improvements to her home, such as fixing the the grass reed roof. This way she will be able to provide a better quality of life to her family and continue to struggle to achieve her big dream of attending a university.
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Cinthia tiene 21 años de edad, vive en la ciudad de Ica, ciudad generosa con un clima cálido y acogedor, asimismo se desarrolla la agricultura en especial el cultivo de algodón, uva, esparrago, entre otros. Cinthia es una joven muy trabajadora, desde muy pequeña aprendió a ganarse el pan con el sudor de la frente ya que sus padres son personas de pocos recursos económicos y debido a ello tuvo la necesidad de trabajar para poder apoyarlos.

Día a día Cinthia trabaja en un pequeño restaurante como mesera, ella labora alrededor de 9 horas al día y con el fruto de su trabajo puede apoyar con los gastos del hogar; ella cree que le va bien en su trabajo porque es muy amable y responsable.

Cinthia esta muy agradecida con los prestatarios Kiva ya que gracias a la ayuda que le han brindado ella podrá realizar mejoras en su vivienda como arreglar su techo ya que es de esteras, con lo cual podrá darle una mejor calidad de vida a su familia y seguir luchando para poder hacer realidad su mas grande sueño:” Tener una carrera universitaria”.

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 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.

About Peru

  • $12,000
    Average annual income
  • 52
    View loans »
    Peru Loans Fundraising
  • $63,757,875
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD