Francisco, 49, lives with his wife Carmen, 37, in their own home. They live together with their 2 children, for whom they want to provide a good future. Even when he was an adolescent, Francisco was working on his parents' land, and he also used to work as a farmhand on various farms. With the savings he accumulated, he bought his own land where he has been working independently for 26 years. He cultivates cocoa and coffee. His most profitable crop is cocoa, because he can sell it at a good price. The months of June through August are when he plants all of his crops. This is the reason why Francisco comes to this financial institution to apply for his loans, taking with him his goal of planting more cocoa plants.
What Francisco has in mind is to continue to cultivate and also acquire more land so that he can lift himself out of poverty. For now, his priority is to finish building his house. This is his 6th loan, and he feels happy to know that he will have the financial support to continue with his work plans. Also, he is committed to making his payments on time. He thanks his communal bank for allowing him to become a part of their group. With the 1,000 Peruvian soles he requests, he will buy sheets of corrugated metal roofing material for the roof of his house.
Francisco de 49 años de edad, vive junto a su esposa Carmen de 37 años de edad; viven en casa propia junto a sus 02 hijos, a quienes desea brindarles un buen futuro. Francisco, aun cuando era adolescente trabajaba en las tierras de sus padres y a la vez trabajaba como jornalero en distintas chacras, con sus ahorros acumulados compró su propio terreno donde viene trabajando 26 años de manera independiente y cuenta con cultivos de cacao y café. Su producto más rentable es el cultivo de cacao, porque los vende a un buen precio. Los meses de Junio hasta Agosto; son tiempos donde mayormente se siembra todo tipo de plantas, razón por la cual Francisco, acude a la entidad Financiera para tramitar sus prestamos y llevar consigo uno de sus propósitos sembrar mas plantas de cacao. Los planes que tiene en mente es seguir sembrando y adquiriendo mas espacios de terreno para así sobresalir de la pobreza; por ahora su prioridad es terminar el acabado de su vivienda. Este es su crédito número 06, se siente alegre al saber que tendrá el apoyo financiero para seguir con sus planes de trabajo, asimismo, se compromete a pagar puntual sus cuotas. Agradece a su banco comunal por permitirle ser parte de ello. Con los 1,000 nuevos soles, comprará calamina para el techado de su casa.
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.