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Ernesto Fernando
Ernesto is a 37-year-old man. He is single and he lives in the city of Ica. He is a very kind, hardworking, and enthusiastic person who has a great desire to better himself. Unfortunately, due to a lack of financial resources and a need to work from a very young age to help his parents, Ernesto was not able to pursue the electrical engineering degree he wanted. In his free time he likes to cook a delicious lomo saltado, or stir fried steak and onions, to share with his family and friends.

On his own initiative and with a lot of hard work and dedication, Ernesto works as an assistant at a bakery in his city. He is in charge of preparing breaks and sweets. Ernesto works every day for around 10 hours and he thinks it is going well because of his good performance and the friendly service he provides.

Ernesto is very thankful to Kiva's lenders, as it is thanks to the help they have offered that he will be able to buy construction materials, such as cement, bricks, sand, and others, which will greatly help him to improve a deteriorated room in his home. He will keep working and applying himself to achieve his great dream of having a safe and suitable home.
View original language description ↓
Ernesto es un hombre de 37 años, es soltero, vive en la ciudad de Ica, el es una persona muy amable, trabajador y entusiasta, que tiene un gran deseo de superación; lamentablemente por falta de recursos económicos y por la necesidad que tuvo de trabajar desde muy joven para ayudar a sus padres, Ernesto no pudo estudiar la carrera profesional de Ingeniería Eléctrica que deseaba, en sus ratos libres le gusta cocinar un riquísimo Lomo Saltado para compartir con su familia y amigos.
Por iniciativa propia, con mucho empeño y dedicación, Ernesto trabaja como ayudante en una panadería de su ciudad, el se encarga de preparar panes y dulces, Ernesto 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 los demás.
Ernesto se encuentra muy agradecido con los prestamistas Kiva, ya que gracias a la ayuda brindada podrá realizar la compra de materiales de construcción, como cemento, ladrillos, arena y otros, los cuales le servirán de mucho para poder mejorar una habitación deteriorada de su vivienda, así pues él seguirá trabajando y esforzándose para lograr su gran sueño de tener una vivienda segura y adecuada.

Additional Information

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
  • 35
    View loans »
    Peru Loans Fundraising
  • $64,316,075
    Funds lent in using Kiva
  • 2.6
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Ernesto Fernando to buy construction materials.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 7, 2013
Jun 2, 2013
Currency Exchange Loss:
Jan 17, 2014