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Zulma Evelyn
Señora Zulma is 30 years old. She is married and has three children, ages 14, 8, and 3. She lives with her husband and her children. Her husband is a mason and works with his brothers. He also has a musical band.

Zulma, for her part, has been making snacks for 8 years, but she has more than 20 years of experience, since at the age of 8 she was selling enchiladas with her mother in the school cafeteria. She acquires all the ingredients in the city and she buys other products from a business delivery truck.

The loan that she is requesting from Fundación Campo will be used to buy snacks, ingredients to prepare cold drinks, ingredients to prepare hamburgers, a griddle for making pupusas, salsas, bread, meat, chicken, and flour to make tacos, and to pay off a debt that she has with the institution.

With the investment, her income will improve, since she will have more merchandise available to offer her customers. In addition, no one else sells hamburgers in the zone where she sells. Her wish is to buy a cafe so that she can have a more formal place where she cal sell all the delicious foods that she prepares.
View original language description ↓
La señora Zulma tiene 30 años de edad, es casada y tiene tres hijos de 14, 8 y 3 años respectivamente. Vive junto a su esposo y sus hijos. El esposo es albañil y trabaja junto a sus hermanos, además posee una banda musical.

Zulma por su parte se dedica a elaborar refrigerios desde hace 8 años, pero cuenta con una experiencia de más de 20 años, debido a que desde la edad de 8 años vendía enchiladas con su mamá en el cafetín de la escuela. Todos los insumos los adquiere en la ciudad y otros productos los compra al camión repartidor de una empresa.

El préstamo que esta solicitando a Fundación Campo, es para comprar, boquitas, insumos para elaborar refrescos, insumos para elaborar hamburguesas, una plancha para elaborar pupusas, salseros, pan, carne, pollo, harina para elaborar tacos y para cancelar una deuda que posee con la Institución.

Con la inversión sus ingresos mejoraran, pues tendrá disponibles más mercadería que ofrecer a sus clientes. Además, que en la zona donde ella vende nadie más vende hamburguesas. Su deseo es comprar un cafetín para tener un lugar más formal en donde pueda vender todos los ricos alimentos que ella elabora.

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
  • 814
    View loans »
    El Salvador Loans Fundraising
  • $25,682,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Zulma Evelyn to buy snacks, ingredients to prepare cold drinks, ingredients to prepare hamburgers, a griddle to make pupusas, salsas, bread, meat, chicken, and flour to make tacos, and to pay a debt that she has with the institution.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 25, 2012
Nov 3, 2012
Currency Exchange Loss:
Aug 18, 2013