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Rosa Maria
Rosa lives in Lima with her parents. They are elderly and hardly earn enough to cover food for the household. Rosa’s older siblings help financially but as they have families of their own, the money they can contribute is very small. Rosa will have to stop her studies and get a job if she doesn’t get help from Kiva lenders.

She is currently studying the third academic semester specializing in industrial administration. Her wish is to finish as soon as possible so she can find work in a company that values her hard work and dedication. Then she will be able to help her parents with household expenses.

For this reason Rosa wishes to thank Kiva lenders for all the help they bring to her and many young people who wish to get ahead. She believes that in these modern times women as well as men have the right to a good education. She believes that in the near future she will have an equal education as will people in other latin american countries.
View original language description ↓
Rosa vive en Lima junto a sus padres. Ellos son personas mayores y apenas ganan lo necesario para poder cubrir sus gastos de alimentación en casa.
Los hermanos mayores de Rosa ayudan económicamente en los gastos de la casa de sus padres, pero al tener ya una familia propia, el dinero que brindan es muy poco, por lo que Rosa tendrá que dejar de estudiar para tener que trabajar de no contar con el apoyo de los prestamistas de Kiva.
Ella esta cursando actualmente el 3er semestre académico de la especialidad de administración Industrial y su deseo es terminar lo mas pronto posible para poder trabajar en una empresa donde valoren su esfuerzo y dedicación y así ayudar a sus padres en el mantenimiento del hogar.
Es por esto que desea agradecer a los prestamistas de Kiva por toda la ayuda que le pueden brindar a ella y a muchas jóvenes con deseos de superación.
Ella cree que en estos tiempos modernos, tanto las mujeres como los hombres tienen derecho a una buena educación, por lo que confía que en un futuro próximo se logre esta igualdad aun en crecimiento en los países de américa latina.

Additional Information

More information about this loan

This loan is structured on as a bullet-loan, or featuring only a single payment at the end of the loan term. Kiva's partner IPFE offers students an optional grace period and flexible repayment schedule, as their capacity to repay is limited and often unpredictable during the course of their studies. This means that although this student client is likely to make a number of small, gradual repayments over the course of his or her loan term, Kiva and IPFE are unable to project when exactly these will occur. Therefore, although these payments have not been factored into the repayment plan on Kiva, you will likely be reimbursed for a portion of this loan before the bullet payment at the end of the loan term.

About IPFE:

IPFE is a non-profit organization that was created to provide affordable credit facilities for students who want to gain access to quality higher education. IPFE benefits from a solid reputation with high profile personalities on its Board, which ensures solid ties to both the public and private sector in Peru.

IPFE seeks to expand its student loan portfolio by providing loans to the low-income population with the aim of securing jobs in the thriving technical industry. This will consequently lead to stronger economy and a lower unemployment rate in Peru.


About Peru

  • $12,000
    Average annual income
  • 41
    View loans »
    Peru Loans Fundraising
  • $64,489,150
    Funds lent in using Kiva
  • 2.8
    Peru Nuevos Soles (PEN) = $1 USD
Paying Back - Currency Exchange Loss

This loan has been fully funded!

A loan of $3,925 helped Rosa Maria pay for technical courses in industrial administration.
16% repaid
Repayment Term
62 months (Additional Information)
Repayment Schedule
At end of term
Jun 10, 2014
Jun 29, 2014
Currency Exchange Loss: