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José Ramiro
Jose is 58 years old, married, and has two daughters. He is a farmer because his family were farmers. When he married he started farming on his own and caring for animals to support his household. He gets up very early to drink a cup of coffee and then goes out to tend to the animals and work in his corn field for about six hours. He has to walk for about 20 minutes to get there.

He also needs to walk about 15 minutes from his home to the bus stop so that he can go to the city to buy the supplies he needs for his work. The bus ride takes 45 minutes.

He is asking for this loan through Fundación Campo to buy grassland bulls and to install electricity in his home. Before he only had the money to run the line and pay for the connection. Now he only needs the installation. This is a dream that he has always had and he has almost achieved it. Right now he uses candles for illumination, so he can’t do any more, but with electricity he will buy a freezer so he can sell frozen treats. Other dreams are for his daughters to study at university and for him to buy some land to will to them.
View original language description ↓
Don José tiene 58 años de edad, es casado y tiene dos hijas. Él se ha dedicado a la agricultura ya que su familia ha eso se ha dedicado. Cuando se caso, emprendió él solo en la agricultura y en el cuido de los animales para mantener su hogar. Se levanta muy temprano a tomarse una taza de café, luego se va a dejar los animales y a trabajar en su milpa durante unas seis horas; para llegar ahí debe caminar unos veinte minutos.

Para comprar los productos que necesita para realizar sus labores, debe caminar unos quince minutos de su casa a la calle por donde pasa el autobús que lo conduce a la ciudad, el viaje tarda cuarenta y cinco minutos.

El préstamo que esta solicitando a Fundación Campo, es para comprar dos toros de repasto y el resto para instalar la energía eléctrica en su casa. Ya que solo tenía el dinero para llevar la línea y para el pago de la conexión y solo le hace falta la instalación. Este es un sueño que ha tenido siempre, y casi lo logra por completo, debido a que solo se ilumina con un candil y con eso no puede hacer nada, más sin embargo con la luz eléctrica comprara una refrigeradora para vender helados. Otro sueño es, que sus hijas estudien en la universidad y comprar unos metros cuadrados de terreno para heredarles a sus hijas.

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 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
  • 713
    View loans »
    El Salvador Loans Fundraising
  • $26,095,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,250 helped José Ramiro to buy bulls and install electricity in his home.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Dec 19, 2012
Listed
Jan 1, 2013
Currency Exchange Loss:
N/A
Ended:
Feb 17, 2014