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José Anibal
Jose, 36, has two children. He has operated a cheese- and cream-processing business for 4 years. He learned the business from a woman who had operated a similar business for 14 years. She taught him to make a dairy-based product called quesillo, a key ingredient for making pupusas. He saw that her business was profitable and decided to apply for a loan to start his own business. For now, he sells everything he makes to a wholesaler.

Jose leaves in his truck at 5:30 a.m. each morning to collect milk from the people he buys from. He then returns home to start the process of skimming the milk so that he can make quesillo.

Jose is applying for a Fundacion Campo loan that he will use to buy a used milk skimmer from a friend who wants to sell one. He needs the skimmer because the one he has now is old. He's lost hours of work because the old one is falling apart so the investment will allow him to be more productive.

For the future, Jose wants to rent a space in the city where he can set up his own wholesale dairy business because, he says, wholesale sales are more profitable.
View original language description ↓
José tiene 36 años de edad, tiene dos hijos. Desde hace 4 años se dedica a la venta de leche para procesar quesillo y crema. Lo aprendió con una señora, con la cual trabajo 14 años en su negocio. Fue, así como aprendió ese trabajo, a elaborar quesillo para producir las pupusas. Cuando trabajaba con la señora era un jovencito, y vio que ese negocio era rentable, por lo que solicito un préstamo para emprender en su negocio. Actualmente todo el producto que procesa lo vende todo a un mayorista.

El sale en un pick up a las 5:30 a.m. de la mañana, a recoger la leche de personas que poseen vacas, luego regresa a su casa, en donde inicia el proceso de descremado de la lecha, para luego iniciar con la extracción del quesillo.

El préstamo que esta solicitando a Fundación Campo, es para comprar una descremadora usada. un amigo se la esta vendiendo; por que la que tiene ya esta vieja y deteriorada. De esta manera se ahorrara en reparaciones, debido a que la descremadora que tiene a cada rato tiene que repararla, perdiendo tiempo lo que significa un atraso en su negocio.

Él planea rentar un local en la ciudad, para vender lácteos, para que el margen de ganancia que le queda al mayorista sea de él.

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

  • $4,900
    Average annual income
  • 512
    View loans »
    El Salvador Loans Fundraising
  • $23,459,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped José Anibal to buy a used milk skimmer.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 5, 2012
Listed
Oct 11, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 18, 2013