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Margarita Maria
Margarita is 61 years old, but she has the cheerfulness and tenacity of a 20 year-old. Margarita lives in the city of Pisco, located on the southern coast of Peru. This is a place that is known for its warm climate, beautiful beaches, and cuisine based on fish and seafood. Margarita lives with her husband, and together they have 2 children who are adults, but whom they love very much. Margarita was not able to study at a university, because her parents had a low income, but she would have liked to have studied to become a chef because she cooks very well.

Each day, Margarita works in her small business selling vegetables. With the income she earns, she helps her husband with the household expenses. Margarita works about 8 hours a day, and she is able to tend to about 15 customers per day. She believes that she is getting ahead because she is friendly with her customers, and most of all, she does not give up even when faced with adversity.

Margarita is very grateful to the Kiva lenders, because thanks to the support that they have provided, she will be able to buy a stall for her business, which she currently does not have. This way she will not have to pay rent, so she will be able to increase her income and continue to strive to make her greatest dream a reality: to have her own house.
View original language description ↓
Margarita tiene 61 años de edad, pero tiene la alegría y las ganas de luchar de una joven de 20 años, Margarita vive en la ciudad de Pisco, ubicada en la costa sur del Perú y se caracteriza por su clima cálido sus hermosas playas y su gastronomía a base de pescados y mariscos. Margarita vive al lado de su esposo y juntos tiene 2 hijos, los cuales ya son mayores pero a quienes quiere muchísimo. Margarita no pudo tener una carrera universitaria ya que sus padres tenían pocos recursos pero le hubiera gustado estudiar para ser chef ya que ella cocina muy rico.

Día a día Margarita trabaja en su pequeño negocio de venta de verduras, con cuyos ingresos la ayudan para apoyar a su esposo con los gastos del hogar, ella trabaja alrededor de 8 horas al día y puede atender hasta 15 clientes diariamente; ella cree que esta saliendo adelante porque es amable con los clientes y sobre todo no se deja vencer por las adversidades.

Margarita está muy agradecida con los prestamistas kiva ya que gracias al apoyo que le han brindado ella podrá comprar un local para su negocio, ya que actualmente no lo tiene, de esta manera ya no pagara alquiler y podrá mejorar sus ingresos y así seguir luchando para poder hacer realidad su más grande sueño:” 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
  • 37
    View loans »
    Peru Loans Fundraising
  • $64,316,075
    Funds lent in using Kiva
  • 2.7
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,500 helped Margarita Maria to buy her own stall for her business.
100% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Apr 30, 2013
May 30, 2013
Currency Exchange Loss:
Jun 18, 2015