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Ruben Cristofer
Rubén is a 27-year-old man who lives in the city of Pisco with his parents and siblings. He's a very kind, hardworking, and enthusiastic person who has a great desire for self-improvement. Thanks to his effort and the support of his family, Rubén was able to study mechanical and electrical engineering. In his free time he likes to play sports, and sometimes he cooks a delicious ceviche to share with his family.

On his own initiative, with great effort and dedication, Rubén works as a supervising mechanic in a company in his city. He works every day from early in the morning, and he can work approximately eight hours. Rubén enjoys doing his job and believes it's going well for him because of his diligence and his kind treatment of others.

Rubén is very grateful to the Kiva lenders because thanks to their help he'll be able to cover the paperwork and processing expenses for his professional degree in engineering. This way Rubén will continue working and making the effort to get ahead and to achieve his big dream of having an auto repair shop and his own house.
View original language description ↓
Ruben es un hombre de 27 años, vive en la ciudad de Pisco con sus padres y hermanos, él es una persona muy amable, trabajador y entusiasta, que tiene un gran deseo de superación; gracias a su esfuerzo y al apoyo de su familia, Ruben pudo estudiar la carrera profesional de Ingeniería Mecánica y Eléctrica, en sus ratos libres le gusta hacer deporte y en algunas ocasiones cocina un riquísimo Ceviche para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Ruben trabaja como supervisor mecánico en una empresa de su ciudad, él trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 8 horas, Ruben se siente a gusto realizando su labor y cree que le va bien por su buen desempeño y por el trato amable que brinda a los demás.
Ruben se encuentra muy agradecido con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá cubrir los gastos de la tramitación y documentación para obtener su título profesional como Ingeniero; de esta manera Ruben seguirá trabajando y esforzándose para salir adelante y así lograr su gran sueño de tener su taller mecánico y su casa propia.

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
  • 92
    View loans »
    Peru Loans Fundraising
  • $63,784,825
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,550 helped Ruben Cristofer to cover the paperwork and processing expenses for his professional degree.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 24, 2012
Nov 20, 2012
Currency Exchange Loss:
Mar 25, 2015