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Norma Elizabeth
Norma is a woman who lives under humble conditions but with a great desire to get ahead, above all because she is the mother of two little ones whom she loves very much. Each day she puts forth all of her efforts to provide them a better quality of life and above all give them the things that she wasn’t able to get as a child. After having studied for a career in teaching, Norma was not able to find work and currently works on a farm. After a few months she was able to start a small clothing sales business. She believes that she is getting ahead because she is responsible and has a great desire to improve each day.

Norma is very grateful to the Kiva lenders because thanks to their help she has been able to buy a display case for her clothing sale business. In this way she will be able to show her products in a better way. She will place her display case in an area she has set up. In this way she will be able to improve her income and continue working toward making her dreams a reality, “Provide a profession for her children and have her own shop.”
View original language description ↓
Norma es una mujer de condicion humilde pero con muchas ganas de salir adelante, sobre todo porque es madre de 2 peequeños a quienes quiere mucho y cada dia lucha con todas sus fuerzas para poder brindarles una mejor calidad de vida y sobre todo ofrecerles todo lo que ella no pudo tener de niña. Norma logro estudiar la carrera de educacion pero como no pudo encontrar empleo actualmente trabaja en una granja, pero Norma luego de algunos mese logro ahorra y tiene un pequeño negocio de venta de ropa; ella cree que esta saliendo adelante porque es responsable y tambien tiene muchas ganas de mejorar cada día.

Norma esta muy agradecida con los prestatarios Kiva, porque gracias al apoyo que le han brindado ella podra comprar una vitrina para su negocio de venta de ropa, de esta manera podra exhibir sus productos de mejor manera ya que colocara la vitrina en un pequeño espacio que Norma a acondicionado en su vivienda y asi podra mejorar sus ingresos y seguira luchando por hacer realidad su mas grande sueño:" Darle una profesion a sus hijos y tener un local propio para su negocio".

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
  • 46
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Norma Elizabeth to buy a display case.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 8, 2013
Currency Exchange Loss:
Jan 17, 2014