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Wilber Enrique
Wilber is 29 and single. He lives with a sister and two cousins. His parents separated when he was very young, so he has always lived with his siblings.

Wilber has sold spices for three years: cumin, annatto, allspice, black pepper, and others. His sister taught him this business, and it is now his source of income. He gets up at 5:00 am to go to work. He goes to the capital city by bus to buy his spices. The trip takes him two and a half hours to get to the terminal, then he gets on a microbus which drives him downtown. After this, he walks to the central market where he buys his merchandise; then he returns home. He buys the spices by the pound and by the gallon. He then divides them into smaller portions to sell in the various municipalities and cantons. He goes from store to store, offering his products, and comes home at 5:00 pm.

Wilber will use this loan to buy: to buy 12 pounds of annatto, 12 pounds of cumin, 14 pounds of peppers,
12 pounds of ground cumin, 10 pounds of garlic salt, 8 pounds of onion salt, 10 pounds of cinnamon, 6 pounds of rosemary, 9 pounds of chia, 6 pounds of starch, 8 pounds of bicarbonate, 4 pounds of aniseed, 6 gallons of mustard, 6 gallons of black salsa, 6 of jam, 6 gallons of chili, and other items.

With this investment, Wilber will be able to stock his business. He will buy his products wholesale, allowing him to offer his customers better prices and to cover their demand. He will be able to make a better income through saving time and money, since he goes to the capital twice a week, and with this investment he will only have to go once a week.

Wilber is an enterprising young man, who has fought to get ahead. He saves his earnings, since he wants his business to grow so that he can hire two or three people to go out and sell his products while he stays back and prepares them. This way he will have more time; for financial reasons, he had to stop attending university. His greatest dream is to graduate with a Bachelor in English; he is only two years short. In order to achieve his dreams, Wilber works very hard and saves as much as he can so that he can continue with his studies next year and graduate.
View original language description ↓
Wilber tiene 29 años de edad, soltero, vive con una hermana y dos sobrinos. Sus padres se separaron cuando él era muy pequeño, por lo que siempre ha vivido con sus hermanos.

Desde hace tres años, Wilber se ha dedicado a la venta de especias: comino, achote, pimienta gorda, pimienta negra y otras más. Su hermana fue quien le enseño esta actividad, la cual se ha convertido en su fuente de ingresos. Él se levanta a las 5:00 de la mañana, a realizar sus labores diarias. Se traslada a la capital del país a comprar las especies, para esto aborda un autobús, el viaje dura dos horas y media, para llegar a la Terminal, luego aborda un microbús que lo conduce al centro de la ciudad, después camina a pie hasta el mercado central, es ahí donde compra su mercadería y regresa a casa. Las especias las compra por libras y por galones. Por lo que, debe dividir en bolsas pequeñas las porciones, para posteriormente irlas a vender a los diferentes municipios y cantones, él va de tienda en tienda, ofreciendo su mercadería, para regresar a su casa a las 5:00 de la tarde.

Wilber utilizara su préstamo, para comprar: 12 libras de achote, 12 libras de comino, 14 libras de pimientas, 12 libras de comino molido, 10 libras de sal de ajo, 8 libras de sal de cebolla, 10 libras de canela, 6 libras de romero, 9 libras de chan, 6 libras de almidón, 8 libras de bicarbonato, 4 libras de anís, 6 galones de mostaza, 6 galones de salsa negra, 6 de dulce, 6 galones de chile, entre otros más.

Con esta inversión, Wilber surtirá su negocio, comprara por mayor y esto le permitirá dar mejores precio a sus clientes y cubrirá la demanda de estos. Obtendrá mejores ingresos ahorrorando tiempo y dinero, ya que él viaja dos veces por semana a la capital y con la inversión solo ira una vez a la semana a comprar su mercadería.

Wilber es un joven emprendedor, que le ha tocado luchar para salir adelante. De los ingresos que reciba por la venta de su mercadería, él ahorra, ya que quiere que su negocio crezca y emplear a dos o tres personas, para que salgan a vender y él encargarse de preparar la mercadería. De esta forma tendrá más tiempo disponible, ya que por razones económicas dejo de estudiar en la universidad, y su gran sueño es graduarse de licenciado en ingles, pues solo le hacen falta dos años. Para alcanzar sus sueños, Wilber trabaja muy fuerte y ahorrara lo más que pueda, para continuar con sus estudios el próximo año y graduarse.


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

  • $7,500
    Average annual income
  • 774
    View loans »
    El Salvador Loans Fundraising
  • $25,607,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Wilber Enrique to buy 12 pounds of annatto, 12 pounds of cumin, 14 pounds of peppers, 12 pounds of ground cumin, 10 pounds of garlic salt, 8 pounds of onion salt, 10 pounds of cinnamon, 6 pounds of rosemary, 9 pounds of chia, 6 pounds of starch, 8 pounds of bicarbonate, 4 pounds of aniseed, 6 gallons of mustard, 6 gallons of black salsa, 6 of jam, 6 gallons of chili, and other items.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 27, 2011
Listed
Nov 2, 2011
Currency Exchange Loss:
N/A
Ended:
Jul 17, 2012