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Heydi is 24 years old. She lives in the city of Ica, in the Santiago district, with her parents and her young 5 year old son,whom she loves and is her main reason for living. She is very friendly, hardworking and enthusiastic, and she makes all efforts to improve the life of her son. Unfortunately, due to a lack of financial recourses and because she needed to work starting at a very young age, Heydi was not able to study for a professional career in Agronomy. In her free time she likes to prepare delicious desserts to share with her family.

On her own initiative and with a lot of effort and dedication, Heydi, works as a field laborer on an agricultural holding in the city. She works around 10 hours every day and thinks that she is successful due to her good work and friendly treatment of her customers. Heydi is very thankful to the Kiva lenders as the help they provide will allow her to make improvements to her home, which is in a deteriorated state. She wants to be able to construct part of it with better and more resistant materials. She will continue working and making efforts to achieve her big dream of having a safe and suitable home.
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Heydi es una mujer de 24 años, vive en la ciudad de Ica, en el distrito de Santiago con sus padres y su pequeño hijo de 5 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 pequeño; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar, no ha podido estudiar la carrera profesional de Agronomía, en sus ratos libres le gusta preparar deliciosos postres para compartir con su familia.
Por iniciativa propia, con mucho empeño y dedicación, Heydi trabaja como obrera de campo en un fundo agrícola de su ciudad, ella trabaja todos los días por un aproximado de 10 horas y cree que le va bien por su buen desempeño y por el trato amable que brinda a sus clientes.
Heydi se encuentra muy agradecida con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar el mejoramiento de su vivienda, ya que esta se encuentra deteriorada y desea poder construir parte de ella con materiales resistentes y adecuados, así pues ella seguirá trabajando y esforzándose para lograr su gran sueño de tener una vivienda segura y adecuada.

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
  • 118
    View loans »
    Peru Loans Fundraising
  • $61,994,300
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $775 helped Heydi to make improvements to her home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Feb 28, 2013
Mar 16, 2013
Currency Exchange Loss:
Apr 16, 2014