During the dry season (which lasts approximately nine months), Catalino depends on his job as a ranch hand. In this job, he earns between $6 to $8 per day. During the farming season, he cultivates 7000 square meters of land. He grows enough to feed his family and has a portion left over to sell. The profit from what he sells is used to buy all the supplies he needs for farming. Last year, Catalino received a loan from Fundación Campo for growing corn. He completed his payments responsibly.
He is now requesting a loan from Fundación Campo in order to install electricity in his house. In addition, he will build a fence along the perimeter of his farmland. Two years ago, Catalino and his wife built a house out of adobe (earth or crude clay). With the help of this loan, Catalino will be able to have electricity in his house for the first time in his life. As a result, he will be able to have appliances for preparing and preserving food. In addition, his home will have greater security because he will have lighting at night. Since his property will have access to this service, it will increase in value.
In the future, Catalino wants to buy a refrigerator, a stove, and a griddle for making “pupusas” (a traditional dish in El Salvador). Since his home is in a strategic location, Catalino wants to open a small store and start selling “pupusas” so that his wife will not have to travel far in order to work. They will also have another source of income that will allow them to live decently.
Durante la epoca seca (aproximadamente 9 meses del año), Catalino depende de su empleo como jornalero en una finca ganadera. En dicho empleo gana entre $6 a $8 dólares diarios. Durante la epoca de cultivo, Catalino cultiva un maximo de 7,000 metros cuadrados. Él cosecha lo suficiente para la alimentación de su familia, y deja una porción para la venta. De las ganancias de la venta, Catalino compra todos los insumos necesarios para su cultivo. El año pasado Catalino recibió un préstamo de Fundación Campo para cultivar maíz, y el cumplió con los pagos responsablemente.
Actualemente Catalino pidió un prestamo a Fundación Campo para colocarle energia electrica a su casa, al igual que para construir una cerca perimetral para su parcela agrícola. Hace dos años Catalino y su esposa construyeron su casa de adobe (tierra o barro crudo). Con la ayuda del préstamo Catalino podra tener energia electrica en su casa por primera vez en su vida. Con la energia eléctrica él podra tener otros electrodomesticos para preparar y guardar alimentos, al igual que darle mayor seguridad a su casa al estar iluminada por las noches. De igual modo el inmueble subirá en valor con acceso a dicho servicio.
En un futuro Catalino quiere comprar un refrigerador, y una cocina o una plancha pupusera (para hacer pupusas, platillo típico de El Salvador). Por la ubicación estratégica de su vivienda, Catalino desea tener una pequeña tienda y venta de pupusas. De esta manera su esposa no tendrá que viajar tan lejos para trabajar, y ellos podran tener otra fuente de ingresos para vivir dignamente.
About CrediCampoThis 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 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.
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