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José Rufino
José is an informal crafts merchant. He’s 30 years old and lives with his mother and sisters. He’s been working at the markets for ten years. He goes from town to town during festive occasions to sell the crafts he buys at wholesale and some that he makes himself. He learned this occupation from some friends and then decided to set up his own business. He is from Morazán but due to his work he travels throughout the eastern part of the country and already has two locales where he sells his crafts.

José is a very cheerful, hardworking person. He rises every morning to set up his stand so that people visiting the market can admire his products and buy them at affordable prices. For him, it’s a bit difficult to be separated from his family for so many days but he recognizes that life is difficult and sacrifices have to be made to have a better future.

The client has asked Fundación Campo for a loan because his stock inventory is currently small and he wants to increase it because the end of year festivities are approaching and this is a time when sales increase because several towns celebrate their patron saints days. José plans to buy products at wholesale so that he can earn a good profit percentage and help his mother with household expenses. In the future, José would like to have several crafts stands and as his income improves he plans to make home improvements and to be able to take care of any need his family might have.
View original language description ↓
José es un comerciante informal de artesanías de 30 años de edad quien vive con su mamá y dos hermanas.

Él tiene diez años de trabajar en las ferias, él se desplaza de pueblo en pueblo en las fecha festivas para vender los productos artesanales que compra por mayoreo y algunos los elabora personalmente, este oficio lo aprendió de unos amigos y luego decidió establecer su propio negocio. Él es originario de Morazán, no obstante por su negocio el recorre toda la zona oriental del país y ya tiene dos locales donde vende sus artesanías.

José es una persona muy alegre y trabajadora. El señor se levanta todas la mañanas a instalar su venta a razón de que las personas que visitan las ferias puedan apreciar sus productos y adquirirlos a precios accesibles. Para él es un poco difícil estar separado tantos días de su familia pero también reconoce que la vida esta difícil y es necesario hacer sacrificios para tener un mejor porvenir.

El cliente solicita un crédito en Fundación Campo, por que actualmente tiene un inventario pequeño y quiere aumentarlo por que ya se avecinan las festividades de fin de año, periodo en el que las ventas se incrementan por ser varios pueblos los que celebran sus fiestas patronales. José tiene el plan de comprar productos por mayoreo y con ello obtener un buen porcentaje de ganancias y ayudar a su mamá con los gastos del hogar. A futuro José quiere tener varios puestos de artesanías y a medida aumenten sus ingresos, él tiene planeado mejorar su casa y estar pendiente de cualquier necesidad que se presente en su familia.

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
  • 428
    View loans »
    El Salvador Loans Fundraising
  • $22,824,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped José Rufino to buy more merchandise to increase his stock inventory.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 6, 2011
Listed
Oct 10, 2011
Currency Exchange Loss:
N/A
Ended:
Sep 15, 2012