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José Ubence
José is 46 years old and lives in the east of the country 300 kilometers from the capital. This is a region on the border with Honduras and is known as El Salvador’s poorest. He is the father of three boys and has been married for 21 years. His main income producing activity is corn and bean farming.

Ten years ago José started a small chicken farm to produce eggs which did very well during the winter but when the dry season came he was unable to keep the farm running because his community lacked running water service and the nearest water source was an hour away from his house. Today, José wants to restart his small chicken farm to produce eggs because his community recently was benefited with the installation of potable water service. He has therefore asked Fundación Campo for a loan to buy 50 chickens, 800 pounds of concentrated feed and 3 liters of medicine to keep his farm in hygienic conditions. All of the supplies including the chickens he’ll buy in a city that’s two hours away from home by bus. The sale of any eggs produced in his farm is guaranteed: it will be in his own community because there are no external vendors because of the distance to the nearest city and its difficult access.

With this loan José projects that his daily income will increase by 3 dollars which will allow him to make his loan installment payments and generate a small profit margin to continue sending two of his children to school.

His dream is to increase the size of his farm each year until reaching a level with more technology that will produce the necessary income to buy his own vehicle to transport supplies and sell his production.
View original language description ↓
El señor José tiene 46 años de edad, vive en la zona oriental del país a 300 kilómetros de la capital, ésta región es fronteriza con el país de Honduras y es considerada como la zona de mayor pobreza de El Salvador. Él es padre de familia de tres hijos varones, esta casado hace 21 años y la actividad principal que le genera ingresos económicos es la agricultura de granos básicos como el maíz y el frijol.
Hace 10 años don José implementó una pequeña granja de ganillas, para producir huevos, la cual le funciono muy bien durante el invierno, pero llegando la época seca no pudo mantener la granja; porque en su comunidad no había servicio de agua y la fuente mas cercana quedaba a una hora de su vivienda.
Hoy en día don José desea volver a implementar su pequeña granja de ganillas para producir huevos, porque en su comunidad recientemente fue beneficiada con la instalación del servicio de agua potable. Para ello ha solicitado a Fundación Campo un préstamo para comprar 50 ganillas, 800 libras de concentrado y 3 litros de medicamentos para mantener higiénica su granja. Todos los insumos incluyendo las gallinas las comprara en una ciudad que queda a dos horas de su vivienda en autobús.
La comercialización de los huevos que produzca la granja está garantizada, será en su misma comunidad, ya que la distancia a la ciudad más cercana y por el difícil acceso a la misma; no hay oferta de vendedores externos.
Con dicho préstamo don José tiene proyectado incrementar sus ingresos en $3 dólares por día, lo cual le permite pagar la cuota del crédito y generar un pequeño margen para continuar enviando a dos de sus hijos a la escuela.
Su sueño es aumentar la granja de gallinas cada año, hasta llegar a un nivel mas tecnificado que le permita generar los ingresos necesarios, y así comprar su propio vehículo para trasladar los insumos y vender su producción.

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
  • 621
    View loans »
    El Salvador Loans Fundraising
  • $22,145,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped José Ubence to buy 50 chickens, 800 pounds of concentrate and 3 liters of medicine to keep his farm hygienic.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 26, 2011
Listed
Dec 1, 2011
Currency Exchange Loss:
N/A
Ended:
Jun 18, 2013