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Arcadia
Arcadia is 62 years old. She is married and has five children. She is a very hard-working and determined person. She lives together with her husband and one granddaughter. She has worked for 40 years selling dairy products. She learned this work from her husband, and he inherited it from his parents. They have discovered that this kind of work gives them a good profit margin, since sales are good in their area. In spite of this, they would like to increase this profit margin; they cannot buy as much as before, since they don't have the money to do so.

She buys the products in the districts close to the place where she lives, from various people. However, since the sale price is not the same, she has to buy in this way and later sell as a considerable price so she will not make a loss at the time of the sale. To buy her dairy products, she goes on foot to the vendors, since there is no public transportation in this place. At time she has to walk for kilometers to reach their homes, and later she comes back carrying the products herself.

The loan will be invested in buying greater quantities of cheese, curds and cream. Currently, she can only buy 75 pounds of cheese, 30 pounds of curds and 50 bottles of cream per week, and Arcadia would like to buy the double amount of each product, because she has a lot of customers and she is not able to stock up because of a lack of funds. With this investment, she will improve her income and her sales will increase, because her customers will be satisfied since they will always find fresh products at her home.

Arcadia wants to have a better quality of life, with the sale of dairy products to help her husband cover all of the expenses of their household. Both are at an advanced age, but they still have a determined spirit to keep working. Because agricultural work is very heavy, the sale of dairy products is easier for her, and they also benefit from the help of the municipal authorities, who have given them a shop where they can sell their products.
View original language description ↓
La señora Arcadia tiene 62 años de edad, es casada y tiene cinco hijos. Ella es una persona muy trabajadora y luchadora, vive junto a su esposo y una nieta. Ella se dedica a la venta de lácteos desde hace 40 años, esta actividad la aprendió de su esposo y él lo heredo de sus padres. Ellos han identificado que este rubro les deja un buen margen de ganancias, ya que las ventas en la localidad son buenas. A pesar de eso ellos desean incrementar ese margen de ganancias, ya que no pueden comprar como antes debido a que no cuentan con el dinero para hacerlo.

Ella compra los productos en los cantones cercanos al lugar donde vive a distintas personas, pero como el precio de venta no es el mismo, ella tiene que comprar así y después venderlo a un precio considerable en el cual ella no pierda a la hora de venderlo. Para comprar sus lácteos, ella camina a pie a la casa de los vendedores, puesto que en ese lugar no hay transporte público, a veces tiene que caminar kilómetros para llegar a sus casas y luego lo traslada cargándolo ella misma.

El préstamo será invertido en la compra de más cantidad de queso, guajada y crema. Actualmente solo puede comprar 75 libras de queso, 30 libras de guajada y 50 botellas de crema por semana y Arcadia quiere comprar el doble de cada producto, porque tiene mucha clientela y no ajusta a surtir por falta de dinero. Con la inversión ella mejorara su ingreso económico y las ventas aumentaran ya que la clientela quedara satisfecha porque siempre encontraran el producto fresco en su casa.

Arcadia desea tener una mejor calidad de vida, con la venta de los productos lácteos, para cubrir con todos los gastos en su hogar ayudando a su esposo, debido a que los dos están en una edad avanzada, pero aun tienen el espíritu luchador para seguir trabajando ya que los trabajos agrícolas son muy pesados, por eso la venta de lácteos le es más fácil y también porque cuentan con la ayuda de la alcaldía municipal que le ha proporcionado un local donde ellos puedan vendar sus productos.

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
  • 660
    View loans »
    El Salvador Loans Fundraising
  • $22,073,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,000 helped Arcadia to buy larger quantities of cheese, curds and cream.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 3, 2012
Listed
May 3, 2012
Currency Exchange Loss:
N/A
Expired:
Jun 2, 2012