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Álvaro
Alvaro is 32 years old and lives with his wife. He and his wife are clothing merchants; they run the business together. They’ve been in this line of work for over five years having learned from a family member who also was a clothes merchant. He currently has ten dozen articles of clothing like women’s blouses, men’s shirts and infant wear. Alvaro used to be a corn and bean farmer before going into this business.

He buys his merchandise in a department in the east of the country that’s located 26 kilometers from where he lives. Clothes to be sold can be bought there at affordable prices and also in his own town on market day, Sunday, when merchants from other zones come to sell clothes.

Alvaro asks Fundación Campo for a loan to buy six dozen women’s blouses, six dozen skirts, six dozen men’s shirts, six dozen pants and for infants: diapers, dresses, blankets, and caps, among others.

By purchasing all this clothing he will have stylish merchandise in stock and he will meet his current demand because he has a sales stand near where the city’s informal commerce takes place so demand is high and sometimes they come looking for something and he has to say that he won’t have it until the next week.

Making this investment will allow him to meet current demand and he will sell more and increase income. With this income Alvaro will buy an inside stand in the municipal market or rent a stand to set up his business. He will also do some home improvements like repair its doors and windows. He also wants to acquire cases to display his clothing and acquire furniture to set up a mini store.
View original language description ↓
El señor Álvaro tiene 32 años de edad, vive con su esposa.
El señor Álvaro, se dedica al comercio de ropa de vestir, junto con su esposa, ambos administran el negocio, tienen más de 5 años de dedicarse ha esta actividad, la cual la aprendió de un familiar que se dedicaba al comercio de ropa.

En la actualidad tiene disponible 10 docenas de prendas de vestir como: blusas para damas, camisas para caballero y ropa de bebe. El señor Álvaro antes de dedicarse a esta actividad, cultivaba maíz y frijol

Las compra de la mercadería las realiza en un departamento de la zona oriental del país, que se encuentra ha 26 kilómetros del lugar donde él vive, en esta cuidad se pueden comprar la ropa ha precio cómodos para su comercialización y también donde él vive en el día del comercio que son los domingos, cuando llegan comerciantes de otras zonas ha vender ropa.

Don Álvaro solicita un préstamo, a Fundación Campo para comprar: 6 docenas de blusas para damas, 6 docenas de faldas, 6 docenas de camisas para caballeros, 6 docenas de pantalones y para bebe: pañales, mantillas cuturinas, calcetines, gorros, entre otros más.

Al comprar toda esta ropa contara con mercadería de moda y abastecerá la demanda que tiene en este momento, ya que él tiene un puesto de venta cerca del lugar donde esta el comercio informal de la ciudad. Por lo que tiene una gran demanda y a veces llegan a buscarle y él les dice que no tiene hasta la próxima semana.

Realizando la inversión él podrá satisfacer la demanda existente y de esta manera venderá más y aumentara sus ingresos. Con estos ingresos, Álvaro comprara un local al interior del mercado municipal o para alquilar un puesto para establecer su negocio y también desea hacerle mejoras a su vivienda como reparar las puertas y las ventanas de esta. Así mismo desea adquirir vitrinas donde pueda mostrar sus prendas de vestir, adquiriendo mobiliario para establecer un mini bazar.









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
  • 785
    View loans »
    El Salvador Loans Fundraising
  • $25,698,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Álvaro to buy clothes.
100% repaid
Repayment Term
21 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Oct 31, 2011
Listed
Dec 1, 2011
Currency Exchange Loss:
N/A
Ended:
Jan 19, 2013