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Zulma Edith
Zulma is a 22-year-old single woman who lives in the city of Chincha. She is a kind, hard-working, and enthusiastic person who has a strong desire to get ahead in life. Thanks to the efforts and support of her family, Zulma was able to study cosmetology. In her free time, she likes to watch TV, and sometimes cooks a delicious Carapulcra con Sopa seca [a traditional Peruvian dish from Chincha] to share with her family.

Owing to her own initiative and a lot of hard work and dedication, Zulma works every day in her small hairdressing salon, where she offers haircuts, hair-dying, manicures, pedicures etc. She starts work early in the mornings and can work around 10 hours a day. She enjoys her work and thinks that she is successful because of the way she treats her customers and the comfortable ambiance she has created in her business.

Zulma is very grateful to the Kiva lenders as they will help her to be able to buy supplies for work such as dyes, nail stickers, and exfoliating soaps among other items. In this way, Zulma will have the necessary materials to do her job. She hopes to keep working and striving to achieve her great dream of becoming a businesswoman and having her own spa from which she will be able to offer a complete beauty service.
View original language description ↓
Zulma es una mujer de 22 años, es soltera, vive en la ciudad de Chincha, ella es una persona muy amable, trabajadora y entusiasta, que tiene un gran deseo de superación; gracias a su esfuerzo y al apoyo de su familia, Zulma pudo estudiar la carrera técnica de Cosmetología, en sus ratos libres le gusta ver televisión y en algunas ocasiones cocina una riquísima Carapulcra con Sopa Seca para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, día a día Zulma trabaja en su pequeño negocio de peluquería, donde brinda servicios de corte, pintado, manicure, pedicura y otros, ella trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas, ella se siente a gusto realizando su labor y cree que le va bien por el trato amable y ambiente cómodo que brinda a sus clientes.
Zulma se encuentra muy agradecida con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de materiales de trabajo, tales como tintes, sticker de uñas, limas, jabones exfoliantes, entre otros; de esta manera Zulma contará con los materiales necesarios para realizar su labor, de esta manera ella espera seguir trabajando y esforzándose para lograr su gran sueño de ser una microempresaria y tener su spa, donde brinde servicios completos de belleza.

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 Peru

  • $12,000
    Average annual income
  • 84
    View loans »
    Peru Loans Fundraising
  • $63,759,475
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Zulma Edith to buy dyes, nail stickers, and exfoliating soaps among other items for her beauty salon.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Oct 31, 2012
Nov 15, 2012
Currency Exchange Loss:
Dec 17, 2013