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Karen Zulema
Karen is a young woman, 20 years old. She lives in the city of Pisco, which is known for its warm and welcoming climate, as well as for its agricultural activity, especially the cultivation of cotton and corn, among other crops. Karen is a young woman with a great desire to get ahead, and thus, after much effort and saving, she succeeded in starting her business selling beauty products. She works approximately 8 hours, and she can serve up to 10 customers per day. She believes that she is getting ahead because she treats her customers in a friendly manner, and also because of her responsibility and optimism.

Karen is very grateful to the Kiva lenders, since thanks to your great support she will be able to buy merchandise for her business such as perfumes, deodorants, nail polish, and makeup, among other items. Thus she will have more products to sell and to offer to her customers. In this way she will continue making an effort and working hard to make her greatest dream a reality: "Studying to become a nurse and having her own house."
View original language description ↓
Karen es una joven de 20 años de edad, vive en la ciudad de Pisco, ciudad que se caracteriza por tener un clima cálido y acogedor, asimismo se desarrolla la agricultura en especial el cultivo de algodón, maíz, entre otros. Karen es una joven con muchas ganas de salir adelante es por ello que luego de mucho esfuerzo y ahorro logro iniciar su negocio de venta de productos de belleza, ella trabaja alrededor de 8 horas y puede atender hasta 10 clientes diariamente; ella cree que está saliendo adelante porque es amable con los clientes, así como también por su responsabilidad y su optimismo.

Karen está muy agradecida con los prestamistas kiva ya que gracias a su gran apoyo ella podrá mercadería para su negocio como perfumes, desodorantes, esmaltes, maquillaje, entre otros; ai podrá tener más productos para vender y ofrecer a sus clientes, así ella seguirá luchando y trabajando para poder luchar por hacer realidad su más grande sueño:” Poder estudiar la carrera de enfermería y tener su casa propia”.

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
  • 41
    View loans »
    Peru Loans Fundraising
  • $64,488,800
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Karen Zulema to buy merchandise for her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2013
Apr 20, 2013
Currency Exchange Loss:
Apr 16, 2014