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Immer Josue
Immer, 24, is married and has two children. He lives on land belonging to his father that he built his house on. He’s been working recycling materials for about four years. Before that he was a mechanic and worked repairing vehicle mufflers and radiators. However, noting that working recycling materials was a good fit for him, he tended more towards this business. He’s a very optimistic merchant because recycling doesn’t always produce high profits but Immer also sells watermelons along a variety of routes; he leaves home at 4am. He’s currently recycling gold. He has various routes and has special, regular customers which differentiate him from others who are in the same kind of business.

The loan he’s asking from Fundación Campo is to repay a debt with the institution and the other part is to buy material to resell to jewelry stores because sometimes he earns good profits with just one customer and he currently doesn’t have enough money to work.

He hopes the loan will help him cover new territory. He wants to buy a motorcycle because it’s much easier to buy gold according to him but what he most wants is to buy a piece of land of his own and build his house there.
View original language description ↓
Immer tiene 24 años de edad, es casado y tiene dos hijos. Vive en un terreno propiedad de su papá en donde ha construido su casa. Él tiene cerca de cuatro años de dedicarse al negocio del reciclaje de chatarra, antes de eso era mecánico, reparaba escapes y radiadores de vehículos. Pero; al ver que mucha chatarra le quedaba a él, se inclino por ese negocio. Es un comerciante muy optimista, porque el reciclaje no siempre obtiene buenas ganancias. Pero, Immer también comercializa sandia, cubriendo diferentes rutas, sale de su casa a las 4:00 a.m.

Immer actualmente recicla oro, tiene diferentes rutas, posee clientes preferentes, eso lo hace diferenciarse de los demás que se dedican al mismo negocio.

El prestamos que esta solicitando a Fundación Campo, es para cancelar una deuda con la institución y la otra parte para comprar material y revenderlo en la joyerías; debido a que a veces con un solo cliente obtiene buenas ganancias y en este momento no posee suficiente dinero para trabajar. Con el préstamo espera cubrir una nueva zona geográfica, su deseo es comprar una motocicleta, ya que es mucho más fácil para comprar oro según lo manifiesta él, pero lo que mas desea es comprar su propio terreno y construir su casa ahí.

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
  • 665
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,400 helped Immer Josue to repay a loan and to buy merchandise to resell to jewelry stores.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 4, 2012
Oct 10, 2012
Currency Exchange Loss:
Nov 9, 2012