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Javier is a 41-year-old-man. He lives in the city of Chincha with his wife and their two children, whom he loves and who are his main reason in life. He is a very friendly, hardworking and enthusiastic person and with the support of his wife they dedicate all their efforts to get their family ahead. Thanks to his effort, Javier was able to study a small technical degree in Mechanics. In his free time he likes to play soccer with his friends and on some occasions cook a delicious Pachamanca (a traditional Peruvian dish) to share with his family.

On his own initiative, with much persistence and dedication, Javier works in his small business of renting internet booths, additionally he provides services of doors and metal window fabrication. He works every day from early hours, for approximately 10 hours. He is happy with his work and believes it is going well because of his friendly treatment that he provides his customers.

Javier is very thankful to Kiva lenders because thanks to them he will be able to purchase furniture for his computers and cartridges for the printers. This way Javier will have his internet business better equipped and he will be able to take care of his customers. Javier will continue working and making an effort to achieve his big dream of having his own company of metal fabrication.
View original language description ↓
Javier es un hombre de 41 años, vive en la ciudad de Chincha con su esposa y sus dos hijos, a quienes ama y son su principal razón en la vida, el es una persona muy amable, trabajador y entusiasta que con el apoyo de su esposa, dedican todos sus esfuerzos por sacar adelante a su familia; gracias a su esfuerzo Javier pudo estudiar una pequeña carrera técnica de Mecánica, en sus ratos libres le gusta jugar futbol con sus amigos y en algunas ocasiones cocina una riquísima Pachamanca para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Javier trabaja en su pequeño negocio de alquiler de cabinas de internet, adicionalmente brinda servicios de fabricación de puertas y ventanas de metal, el trabaja todos los días desde tempranas horas de la mañana y puede hacerlo por un aproximado de 10 horas, el se siente a gusto realizando su labor y cree que le va bien por sus buenos acabados y por el trato amable que brinda a sus clientes.
Javier se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de muebles para sus computadoras y cartuchos para impresoras, de esta manera Javier tendrá su negocio de internet mejor acondicionado y podrá atender a mas clientes, así pues Javier seguirá trabajando y esforzándose para lograr su gran sueño de tener su propia empresa de fabricación metálica.

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
  • 115
    View loans »
    Peru Loans Fundraising
  • $61,996,325
    Funds lent in using Kiva
  • 2.5
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $800 helped Javier to buy computer furniture and ink cartridges.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 7, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 21, 2014