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Carmen Yessica
Carmen is 36 years old and lives in the city of Chincha, Peru, with her 16-year-old son, whom she loves and is her main reason for living. She is a very kind, hardworking and enthusiastic person who dedicates all her efforts to making headway for her son since she is his sole provider. Thanks to her efforts, Carmen was able to study for an executive secretarial degree, and in her free time she likes to listen to music and on occasion cook a rich dish called Carapulcra con Sopa Seca to share with her family. With a lot of hard work and dedication, Carmen works as a secretary at a public institution in the city. She works every day from the early morning for about eight hours. She enjoys carrying out her work and thinks it is going very well thanks to her good performance and how she treats others. Carmen is very grateful to Kiva lenders, because thanks to your support she will be able to purchase construction materials, such as sand, cement and paint, so she can make renovations and improvements to her home. In this way, Carmen will be able to keep working hard to fulfill her biggest dream of having her own home and seeing her son become a professional.
View original language description ↓
Carmen es una mujer de 36 años, vive en la ciudad de Chincha con su hijo de 16 años, a quien ama y es su principal razón en la vida, ella es una persona muy amable, trabajadora y entusiasta, que dedica todos sus esfuerzos por sacar adelante a su hijo, ya que ella es padre y madre para él; gracias a su esfuerzo Carmen pudo estudiar la carrera profesional de Secretariado Ejecutivo, en sus ratos libres le gusta escuchar música y en algunas ocasiones cocina una riquísima Carapulcra con Sopa Seca para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Carmen trabaja como secretaria en una institución publica de su ciudad, ella trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 8 horas, ella 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.
Carmen se encuentra muy agradecida con los prestatarios Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de materiales de construcción, tales como arena, cemento y pintura, de esta manera podrá hacer refacciones y mejoras en la vivienda que habita, de esta manera Carmen seguirá trabajando y esforzándose para lograr su gran sueño de tener su casa propia y ver a su hijo convertido en un buen profesional.

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
  • 76
    View loans »
    Peru Loans Fundraising
  • $61,829,600
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Carmen Yessica to purchase construction materials.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jan 7, 2013
Jan 10, 2013
Currency Exchange Loss:
Oct 17, 2013