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Carlos Giovanni
Carlos is a young man aged 21 who works as a construction worker. This humble job allows him to pay for his expenses and to forge ahead. Carlos works around 10 hours a day and he believes that it is going well because he is very careful and responsible.

Carlos is very grateful to the Kiva lenders, because with their help he will be able to buy merchandise such as clothes, which he will use to open a little business. That way, he will get an additional income and continue struggling to make his greatest dream come true: "To have his own house".
View original language description ↓
Carlos es un joven de 21 años de edad, el cual trabaja como operario de construcción ya que con este humilde empleo puede solventar sus gastos de manutención y con ello salir adelante, Carlos trabaja alrededor de 10 horas al día y cree que le va bien en su trabajo porque es muy cuidadoso y responsable.

Carlos está muy agradecido con los prestamistas kiva ya que gracias a la ayuda que le han brindado podrá comprar mercadería como ropa con lo cual iniciara su pequeño negocio y poder tener un ingreso extra y poder seguir luchando para hacer realidad su gran 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
  • 42
    View loans »
    Peru Loans Fundraising
  • $64,450,300
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Carlos Giovanni to buy merchandise (clothes).
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Sep 6, 2013
Oct 5, 2013
Currency Exchange Loss:
Jun 17, 2014