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Javier Otoniel
22-year old Javier is a mechanic. He lives with his mother and three younger siblings. For the last four years he has been working as a mechanic, and with his income he helps support the family and provide them with a decent standard of living.

Because of his excellent work, Javier has many customers who regularly need his services. Recently he was given the opportunity to start his own small business at the entrance to the city. Up till now he has worked out of his house and didn't have anywhere to meet his customers. He had to take the vehicles to other places to mend them, entailing extra expenses.

A friend has offered to rent him a place where he can do everything on site. That means that Javier now has to equip the workshop with tools for all kinds of vehicles, so he has approached Fundación Campo for a loan. He wants to buy the most widely used tools, but is also thinking of buying special tools for less common vehicles.

Javier works every day except Sundays when he goes to church as he is strong Christian. Because of his beliefs he is very responsible and honest. The loan from Fundación Campo will enable him to have a greater number of customers and thus increase his income. He will be able to expand his workshop and help his siblings and mother get ahead.
View original language description ↓
El joven Javier es, mecánico de 22 años de edad, vive con su mamá y sus tres hermanos menores. Él se dedica desde hace cuatro años a la actividad de mecánica general, con dicha actividad el joven Javier ayuda a su familia a salir adelante con los gastos y así también tener una mejor calidad de vida.

Gracias a su excelente trabajo él tiene muchos clientes, quienes necesitan de sus servicios de forma constante; recientemente se le ha presentado la oportunidad de establecer su propio mini taller en la entrada de la ciudad y en vista que antes solo hacia trabajos a domicilio y no tenía donde recibir a sus clientes y tenia que trasladarse hasta lugares lejanos a reparar los vehículos y con ellos incurrir en grandes gastos de transporte; un amigo le ha propuesto rentarle un local donde recibir a todos sus clientes, pero para esto el joven Javier necesita estar bien equipado con herramientas, para todo tipo de vehículo. Por tal motivo él esta solicitando un préstamo en Fundación Campo para aumentar su equipo de trabajo, a tener solo las herramientas principales o generales, pero tiene la idea de comprar también herramientas especiales para vehículos que no son tan comunes en cuanto a su reparación.

Él trabaja todos los días menos el domingo ya que visita la iglesia al ser un joven con fuertes principios cristianos y en base a ello él tiene un alto espíritu de responsabilidad y honestidad. El préstamo en Fundación Campo le ayudara a tener un mayor número de clientes y con ello tener mayores ingresos y de esta forma crecer en su taller y así sacar adelante a sus hermanos y a su mamá.

Additional Information

About CrediCampo

This loan is administered by CrediCampo, a Kiva Field Partner in El Salvador. CrediCampo seeks to improve the lives of rural communities and their families in areas including health, education, basic services, and infrastructure. Through its Community Development Unit, CrediCampo provides scholarships, leadership development training, and financial education programs for families in rural areas. CrediCampo’s work is crucial in addressing the issue of poverty in El Salvador. Based on 2009 estimates, 37.8% of the population lives below the poverty line. To learn more about CrediCampo and their work, visit their partner page.

About El Salvador

  • $4,900
    Average annual income
  • 454
    View loans »
    El Salvador Loans Fundraising
  • $23,095,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Javier Otoniel to buy tools to repair vehicles.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 24, 2011
Listed
Sep 29, 2011
Currency Exchange Loss:
N/A
Ended:
Mar 17, 2014