Check out some available loans that are similar to this one!
Marío Francisco
Marío, age 52, is married and has six children. Only two of them are financially dependent upon him. He is a baker, and he has a bakery where he makes all types of bread. He makes sweet breads with different names like “novias”, “semitas”, “dulces y simples”, “pastel de piña”, “cachitos simples” “alemanas”, and also French bread.

He learned this business activity from his family, which devotes itself to the same business. His is now a family business because his children and his wife are bakers by trade. They have been practicing this trade for over 35 years.

He buys the ingredients he needs to make his products at different stores in the city. The providers of these materials can be found approximately two kilometers from his house. He also has providers who get different types of flour from the mills in the city of El Salvador.

The loan that he is requesting from the Fundación Campo is to buy 25 bags of high gluten wheat flour, 25 bags of wheat pastry flour, five bags of yeast, five bags of baking powder, one “quintal” (about 100 pounds) of salt, three quintales of sugar, a pack of cinnamon, two bags of Royal baking powder, ten cartons of eggs, and five truckloads of firewood.

Upon purchasing these raw materials he will be able to produce more bread. The demand that he has is very strong, and he does not have enough income to buy the raw materials needed for the production. This way he will be able to increase the level of investment, and he will be able to sell more because he will have a greater variety of bread. He will be getting greater income with which he plans to make improvements to his house.

Marío’s plans for the future, according to the income he gets from selling sweet bread and French bread, is to save in order to be able to buy an industrial oven to bake bread. He wants to do this because there are times when firewood is very scarce.
View original language description ↓
Don Marío tiene 52 años de edad, es casado, tiene 6 hijos pero solo dos dependen económicamente de él. Él es panificador y posee una panadería, donde se elabora pan de toda clase como son: pan dulce de diferentes nombres, novias, semitas dulces y simples, pastel de piña, cachitos simples, alemanas como también pan francés. Esta actividad la aprendió de sus familiares que se dedicaban a esta misma actividad. Hoy en día el negocio es familiar ya que sus hijos y esposa son panificadores en este oficio, ya tienen mas de 35 años de ejercer esta actividad.

La materia prima para la elaboración de sus productos, los compra en diferentes tiendas de la ciudad que son proveedores de estos materiales que se encuentran a una distancia de su casa de 2 kilómetros aproximadamente. Como también él tiene proveedores de estos materiales que se los traen desde la ciudad de San Salvador como es molsa, harinas del norte.

El préstamo que esta solicitando a Fundación Campo es para comprar: 25 bolsas de Harina fuerte (espiga) de trigo, 25 bolsas de Harina suave (espiga) de trigo, 5 bolsas de Levadura , 5 bolsas de Polvo de hornear, un quintal de sal, 3 quintales de azúcar, un fardo de canela, 2 bolsas de royal, 10 cartones de huevos, 5 carretonadas de leña.

Al comprar toda esta materia prima se podrá producir más pan, ya que la demanda que tiene es muy fuerte y con los ingresos que cuanta no alcanza a comprar la materia prima requerida para la producción. De esta manera, podrá incrementar sus niveles de inventario y se podrá vender mas por que tendrá mas diversificación de pan. Obteniendo mejores niveles de ingresos o ganancias con los cuales tiene planeado hacerle mejoras a su vivienda.

Los planes a futuro de Marío, según sea la venta y ganancia de la venta de pan dulce y francés, con los ingresos que obtenga, él quiere hacer un ahorro para poder comprar un horno industrial para el cocimiento del pan ya que hay temporadas que la leña esta bien escasa.

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
  • 772
    View loans »
    El Salvador Loans Fundraising
  • $25,574,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Marío Francisco to buy supplies for baking bread.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 12, 2012
Listed
Oct 1, 2012
Currency Exchange Loss:
N/A
Ended:
Dec 15, 2012