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Ramón
Sr. Ramón is 35 years old, married, and has three children. He has been involved in agriculture since childhood, having learned the trade from his father who he helped with the work around the farm. In the morning he would be studying, and then help with the family chores in the afternoon. Ramón also learned the skills required to be a plumber and bricklayer, so that he could rely on different ways of working in order to get ahead.


Don Ramón has a a good home life with his wife and children. He looks for ways to maintain his household and provide a good education for his children. They study at the central school in their community, so he has decided to work very hard to stay on top of all the expenses.


Ramón purchases materials for each of his jobs in a city that is about 15 kilometers from his house. He must travel by bus both ways and carry his merchandise using the same method of transport. Don Ramón is requesting a loan in order to buy cement, iron, and sand. He will also pay another person to help with construction since he is the primary builder. This will enable him to continue with the construction of his home, which has made a bit of progress, but he lacks the money. The main need to be satisfied is the purchase of necessary supplies for building his home. Ramón and his family are living at his sister's house at the moment until his house is completed. He says that his life will improve once the construction of his house is finished. Ramón will have a decent home where he can live with his family. His wish is to finish the construction of his house so that his children can have a place of their own to play. He also wants to expand his home even more. By continuing to work and earn more income, he will able to add more room to his house and still sustain his family.

View original language description ↓
El señor Ramón tiene 35 años de edad, es casado y tiene tres hijos. Él se dedica a la agricultura desde su niñez, aprendió el oficio de su padre, quien desde que él tubo uso de razón se dedico a ayudarle en los trabajos agrícolas por la mañana estudiaba y por las tardes se dedicaba a realizar los trabajos familiares. También aprendió el oficio de fontanero y albañil, así que él tiene distintas formas como desempeñarse trabajando para poder salir adelante.
Don Ramón tiene un hogar bien constituido por su esposa e hijos y tiene que buscar la manera de llevar el sustento a su hogar y poder darles una buena educación a sus hijos. Ellos estudian en el centro escolar de la comunidad, por ese motivo él se dedica a trabajar muy duro para poder salir adelante con todos esos gastos.
El compra los materiales que utiliza en cada uno de sus trabajos en la ciudad más cercana que esta a unos 15 kilómetros de su casa y tiene que trasladarse en autobús todo el camino y retornar a su casa de la misma manera llevando su mercadería en el mismo medio de transporte.
El préstamo que esta solicitando don Ramón es para comprar cemento, hierro, arena y cancelar a la persona que le ayude en la construcción, ya que el principal albañil será é. de esta manera continuara con la construcción de su vivienda, la cual ya tiene un poco avanzada pero le hace falta un poco de dinero. La principal necesidad que será satisfecha es que él podrá comprar todos los insumos que necesita para la construcción de su vivienda y así poder tener su hogar donde ir a vivir junto con su familia ya que por el momento están viviendo en la casa de la hermana mientras termina de construir su casa.
Él manifiesta que su vida mejorara, ya que el podrá terminar la construcción de su casa y tendrá un hogar digno en donde vivir junto a su familia.
Su deseo es tener terminada su casa y poder ver a sus hijos jugar en lo propio. También planea ampliar más su vivienda, ya que continuara trabajando para poder tener un mejor ingreso y poder ampliar más su construcción y llevar siempre el sustento a su familia.

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 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.

About El Salvador

  • $4,900
    Average annual income
  • 689
    View loans »
    El Salvador Loans Fundraising
  • $25,077,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,500 helped Ramón to buy cement, iron, and sand, and to pay someone to assist him with building his home.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 25, 2012
Listed
Jun 3, 2012
Currency Exchange Loss:
N/A
Expired:
Jul 3, 2012