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Mirtha Gissela
Mirtha is a hardworking woman who has had many inconveniences but it has not caused her to lose hope or a desire to keep living because she is the mother of an eight year old boy and every day she does whatever she can to provide him with love and above all a better life. Mirtha’s house is located in the Santiago district, where there are several agro exporter farms and Mitha works at one as a laborer. She works about nine hours per day and is able to pay the household expenses through the fruits of her labor, getting ahead through her work and because she is responsible and have a great motivation to get ahead, her son.

Mirtha is very grateful to the Kiva lenders because thanks to them she will be able to build a house our of solid materials (bricks, cement) for her children. Her current home is made of adobe (mud bricks) and in this way she can provide a better quality of life for her family and made her greatest dream come true, “Give a profession to her son.”
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Mirtha es un mujer muy trabajadora, la cual ha pasado por muchos inconvenientes pero ello no ha hecho que pierda las esperanzas ni las ganas de vivir, ya que es madre de un pequeño de 8 años por el cual cada día hace lo posible he imposible por brindarle su cariño y sobre todo poder otorgarle una vida mejor. La vivienda de Mirtha se encuentra en el distrito de Santiago, en el cual se encuentran varios fundos agroexportadores, en uno de los cuales trabaja Mirtha como obrera. Mirtha trabaja alrededor de 9 horas al dia y con el fruto de su trabajo puede solventar con mucho esfuerzo los gastos de su hogar; ella cree que está saliendo adelante en su trabajo porque es responsable y porque tiene la mayor motivación para salir adelante, el cual es su hijo.

Mirtha está muy agradecida con los prestamistas Kiva ya que gracias a la ayuda que le han brindado ella podrá construir una habitación de material noble (ladrillo, cemento), para su hijos ya que actualmente es de adobe (ladrillos de barro); de esta manera podrá brindarle una mejor calidad de vida a su familia y luchar por hacer realidad su más grande sueño:” Darle una profesión a su hijo”.

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
  • 36
    View loans »
    Peru Loans Fundraising
  • $64,488,800
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Mirtha Gissela to make home improvements.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 18, 2012
Feb 1, 2013
Currency Exchange Loss:
Feb 21, 2014