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Luz Maria
Luz Maria is a client of Kubo Financiero, and this is her story.

She is 69 years old, married, and has children who have now left home. For 37 years she has run a restaurant selling local dishes. Every day she cooks nine different casseroles. She spends the whole day working in the kitchen, and the money she earns has paid for a house, the university education of her children, and provided her with financial stability.

Luz Maria is seeking a loan to paint and make improvements to her house. She is considered to be a very responsible person who likes to keep her promises.
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Luz Maria es una clienta de Kubo Financiero y esta es su historia.

Luz Maria tiene 69 años, esta casada y tiene hijos, pero ya todos son independientes. Desde hace 37 años, tiene un comedor de comida oaxaqueña. En su negocio, cocina todos los días 9 guisados diferentes. Se la pasa todo el día en la cocina trabajando, pero esto le ha servido para construir su casa, pagarle la universidad a sus hijos y tener estabilidad económica. Ella esta pidiendo el préstamo para pintar y hacer algunas mejoras en su casa. Se considera una persona muy responsable y le gusta honrar sus compromisos.

Additional Information

About Kubo.financiero

Kubo.financiero is a regulated microfinance institution that provides accessible and affordable loans to borrowers in Mexico. Its online banking platform and other innovations enable Kubo to charge interest rates that are much lower than the average for MFIs in Mexico. By doing business in a new way -- leveraging technology and customized risk profiles -- the organization is able to support microfinance clients throughout the country. With funds from Kiva lenders, Kubo is able to expand its lending network even further, reach riskier clients who have less credit history, decrease interest rates for borrowers, and scale its service area.

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 Mexico

  • $15,600
    Average annual income
  • 39
    View loans »
    Mexico Loans Fundraising
  • $22,559,375
    Funds lent in using Kiva
  • 13.2
    Mexico Pesos (MXN) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,900 helped Luz Maria buy paint and make improvements to her house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 24, 2014
Mar 30, 2014
Currency Exchange Loss:
Mar 17, 2015