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Jose Alberto
Jose is a young worker. He is 53 years old and lives in Yarinacocha with his family. He has been working for more than a year in the municipality where he lives. It’s going very well because he is a person who has a drive to get ahead and he always puts effort and enthusiasm into everything he does. His biggest motivation is his family and that is why he constantly strives to improve his quality of life.

Jose is grateful to Kiva lenders because with their help he is able to make some repairs to his house such as paint the walls, and fix the roof and floors so his family can feel more comfortable and improve their quality of life. He will continue striving to get ahead and fulfill his biggest dream: “To have his own business.”
View original language description ↓
Jose es un joven trabajador, tiene 53 años de edad y vive en Yarinacocha junto a su familia.

Desde hace más de 1 año trabaja en la Municipalidad de la zona donde vive, le va muy bien porque es una persona con muchas ganas de salir adelante y siempre le pone entusiasmo y empeño a todo lo que hace.
Su mayor motivación es su familia, es por eso que lucha constantemente para poder mejorar su calidad de vida.

Jose está agradecido con los prestamistas kiva porque con el apoyo que le han brindado él podrá hacer algunos arreglos a su domicilio como pintar las paredes, arreglar el techo y el piso, de esta manera su familia sentirá mayor comodidad y mejorarán su calidad de vida, así seguirá luchando para más adelante poder cumplir su más grande sueño: “Tener su propio negocio”

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 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
  • 78
    View loans »
    Peru Loans Fundraising
  • $61,829,600
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD
A loan of $1,075 helped Jose Alberto to renovate his house (pain the walls, and fix the roof and floors).
Repayment Term
10 months (Additional Information)
Repayment Schedule
May 29, 2014
Jun 20, 2014
Currency Exchange Loss:
Jul 20, 2014