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Update on Flavio

Flavio is 59 years old. He is married and has three children. He is a farmer, and he works planting basic grains such as corn and sorghum. He is also a day laborer, carrying out farm work for people who seek out his services. In addition, he also raises livestock. He currently has 8 animals (cows) that he is raising in order to sell them later. He has a ranch where he raises and feeds them; it is rented for the grazing land for the cows. He carries out this activity together with his wife. They have dedicated themselves to this work for more than 21 years. Flavio's family worked raising livestock, and he says that this activity is his family heritage.

Before he worked raising livestock, he worked in agriculture and dedicated himself to providing services as a day laborer. These activities were not very profitable, and thus he now works raising and selling livestock. He learned this profession from his parents.

He buys the livestock in the markets near his area, which are located in the city, 2 kilometers from the place where he lives. When he buys the animals at this market he transports them by herding them down the street.

This loan will be invested in buying 3 milk cows, 300 cement tiles, 500 bricks, 12 bags of cement, 10 quintals of iron, and 1 truckload of sand, as well as paying for labor. With this investment, he will have livestock to raise and he will increase his milk production, to be processed into dairy products. Thus he will obtain an income for his family and satisfy the demand from his customers. With the construction materials, he will repair his roof and continue constructing the walls of his home.

Flavio has plans for the future, such as continuing to construct his home out of brick, since the house he currently has is made out of wood and metal sheets, and to continue raising livestock.
View original language description ↓
El señor Flavio tiene 59 años de edad, es casado y tiene tres hijos. Es agricultor, se dedica a la siembra de granos básicos como: maíz y maicillo, también es jornalero realiza trabajos del campo a personas que buscan de su servicio y a su vez ganadero. Actualmente posee 8 semovientes de crianza (vacas) para la crianza y posteriormente venderlas, y un potreo donde los crían y se alimentan, que es rentado para el pasto de las vacas. Esta actividad la realiza en conjunto con su esposa, quienes tienen mas de 21 años de dedicarse ha esta actividad. La familia de Flavio, se dedicaba a la crianza de ganado, él manifestó que la actividad es patrimonio familiar.

Antes de dedicarse al crianza de ganado, trabajaba la agricultura y se dedicaba a prestar servicio como jornal, estas actividades no eran muy rentables por eso se dedico a la crianza y comercio de ganado. Esta actividad la aprendió de sus padres.

El ganado lo compra en los tiangues cercanos a la zona, que se encuentran en la ciudad a 2 kilómetros del lugar en donde vive, cuando se compran en este tiangue los semovientes son trasladados por la calle arriándolos.

El financiamiento será invertido en la compra de 3 vacas de ordeño, 300 tejas de cemento, 500 ladrillos, 12 bolsas de cemento, 10 quintales de hierro, 1 camionada de arena y pago de mano de obra. Con la inversión dispondrá de ganado para la crianza y aumentara la producción de leche; para procesarla en lácteos, obteniendo un ingreso para la familia y satisfacera la demanda de los clientes. Con los materiales de construcción reparara el techo y continuara con la construcción de las paredes de su vivienda

El señor Flavio tiene planes a futuro, como seguir con la construcción de su vivienda de ladrillo; por que con la que cuenta actualmente es de lámina y tabla y seguir con la crianza de ganado.

Previous Loan Details

Señor Flavio is 58 years old, married and with 3 children. He is a farmer who grows basic grains such as corn. He also works as a day labourer and breeds livestock (cows); he has 6 cows for breeding. He carries out this activiity together with his wife who has more than 20 years of experience in ... More from Flavio's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

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

  • $7,500
    Average annual income
  • 664
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Flavio to buy 3 milk cows, 300 cement tiles, 500 bricks, 12 bags of cement, 10 quintals of iron, and one truckload of sand, and to pay for labor.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 17, 2012
Nov 1, 2012
Currency Exchange Loss:
Dec 1, 2012