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Pamela Janet
Janet is a young woman, 20 years old, who lives in the city of Nazca which is characterized by its warm climate and tourist attractions, among which the most visited are the Nazca Lines. Janet has overcome much adversity, but in spite of that she keeps moving forward; Due to her few economic resources she could only study until the fifth grade of secondary school, but she would have liked to study the major of accounting.

Pamela works with much effort in a hotel in her city as an employee. She works around eight hours a day and with the earnings from her work she is able to cover her day-to-day expenses. She believes she is moving forward due to her desire to come up and above all her responsibility.

Janet is very thankful to the Kiva lenders since, thanks to the help they offer her, she will be able to purchase merchandise, such as shirts, shorts, tank tops and other summer clothing, since she already has some orders from her clients. In this way she will be able to have some extra income and she can improve each day and continue fighting to be able to make her biggest dream a reality: to have a shop of her own.
View original language description ↓
Janet es una joven de 20 años de edad, la cual vive en la ciudad de Nazca, caracterizada por su clima cálido y por sus atractivos turísticos, entre los cuales uno de los más visitados son las líneas de Nazca. Janet ha pasado por muchas adversidades, pero a pesar de ello sigue adelante; debido a sus pocos recursos económicos ella solo pudo estudiar hasta el quinto grado de secundaria, pero le hubiera gustado estudiar la carrera de contabilidad.
Con mucho esfuerzo Pamela trabaja en un hotel de su ciudad como empleada, ella trabaja alrededor de 8 horas al día y con el fruto de su trabajo puede solventar los gastos del día a día; ella cree que está saliendo adelante debido a sus ganas de surgir y sobre todo su responsabilidad.

Janet está muy agradecida con los prestatarios Kiva ya que gracias a la ayuda que le han brindado ella podrá comprar mercadería como polos, short, bivirís, entre otras prendas de verano ya que tiene algunos pedidos de sus clientes; de esta manera ella podrá tener un ingreso extra y podrá mejorar cada día y seguir luchando para poder hacer realidad su más grande sueño:” Tener un local propio”.

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
  • 44
    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 $1,200 helped Pamela Janet to buy merchandise (shorts, shirts, tank tops, and other things).
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 11, 2013
Jan 14, 2013
Currency Exchange Loss:
Dec 17, 2013