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Miguel Ángel
Miguel, 37, has lived with his life companion for the last 11 years. She is the person who cares for their four children (two boys, 10 and 3, and two girls, 9 and 7 years old respectively) and also takes in laundry for her neighbors for which she’s paid $2.00 per dozen. His home is humble. It’s 35 square meters with metal sheeting walls and roof. Currently only three of his children attend school.

Since he was a teen-ager, Miguel has worked in agriculture growing corn in fields of up to 7,000 square meters. He continues doing this kind of work with the objective of continuing to provide his family with food.

Since February 2, 2007 he’s been working in a private residential area in the city as a security guard. He works a 24-hour shift and is off for 24 hours too. This job allows him to generate constant income for his family which made it possible for him to buy the lot where he lives. The distance between his house and his place of employment is about 20 kilometers that he covers by bicycle. He does this considering that he saves $1.50 per day which translates to a monthly saving of $22.50.

The loan he’s requesting from the Fundación is to buy metal and cement to build the roof supports that will be the base of his house. The ones he has now are wood and are greatly deteriorated. With this investment he will improve his house because by building the roof supports out of cement the house will be more resistant to adversity and have greater durability allowing him in the future to build brick or concrete block walls.

Miguel aims to build his house little by little. He states that he always lived in a humble abode with his parents but he wants his children to live in a safer, longer-lasting house. He thinks that in time and with the financial help he’ll get he will be able to build his dream. With respect to his family, he states that he will strive so that his children will study through high school with the objective that they will be able to get jobs above day laborers in the future.
View original language description ↓
Don Miguel tiene 37 años de edad, vive junto a su compañera de vida desde hace 11 años, persona que se dedica al cuidado de sus 4 hijos (dos varones de 10 y 3 años de edad y sus dos hembras de 9 y 7 años respectivamente) y a lavar ropa de sus vecinos por el cual recibe un pago de $2.00 por docena. Su vivienda es humilde, de 35 metros cuadrados con paredes y techos de láminas de zinc. Actualmente solo tres hijos asisten a la escuela.

Desde su adolescencia Miguel se dedicó a las actividades agrícolas cultivando maíz en áreas de hasta 7,000 metros cuadrados, esta labor la continua desempeñando, con el objetivo que se le inculco que fue brindar seguridad alimentaría a su familia.

Trabaja desde el 02 de febrero de 2007, en una zona residencial de carácter privado en la ciudad, donde se desempeña como agente de seguridad, laborando 24 horas, con descansos del mismo tiempo. Este trabajo le permitió generar ingresos constantes para su familia permitiendo que adquiera el terreno donde vive.

De su casa hasta el lugar donde trabaja, existen aproximadamente 20 kilómetros, los que recorre en su bicicleta, esto lo hace considerando que efectúa un ahorro de $1.50 por día lo que al mes significa $22.50.


El préstamo que esta solicitando a Fundación, es para comprar: hierro y cemento para la construcción de horcones, que sirvan de base para su vivienda. Los que posee actualmente son de madera y presentan gran deterioro. Con la inversión mejorará la vivienda, considerando que al construir los horcones o bases de cemento, su casa será más resistente a la adversidad y será de mayor durabilidad, permitiendo que en el futuro inicie la construcción de las paredes con ladrillos o bloques de concreto.

don Miguel tiene el propósito de construir su casa poco a poco, manifiesta que siempre vivió en casa humilde junto a sus padres; pero, desea para sus hijos una vivienda mas segura y de larga duración. Considera que con el tiempo y el apoyo financiero que recibe irá construyendo su sueño. Con respecto a su familia manifiesta que luchará para que sus hijos estudien hasta ser bachilleres, con el objetivo de que se les facilite obtener un trabajo diferente al de jornal.




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
  • 645
    View loans »
    El Salvador Loans Fundraising
  • $25,033,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Miguel Ángel to buy building materials and supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 3, 2012
Listed
Aug 15, 2012
Currency Exchange Loss:
N/A
Ended:
Jan 17, 2014