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José Lázaro
José is 28 years old, married, and has three children who are 6, 4 and 2 years old. He has been working as a baker for 15 years and started when he moved from his hometown to the city and got a job washing the molds at a bakery. Little by little he learned how to make bread. Due to the violence of the city, José decided to move back to his hometown and start his own bakery.

He buys flour, butter, and other baking supplies in the country's capital. He travels the 160 km to the city once a week and spends 20 dollars just on transport. He buys 20 bags of flour on every journey, but his purchase does not qualify for home delivery.

He is requesting the loan from Fundación Campo to buy baking trays, flour to make sweet bread, and a bicycle so that he can hire another employee. José has three employees who go out on bicycles to sell bread in the surrounding communities, and with another bicycle he will be able to hire another employee making a total of four. Currently, he only makes French bread, but with the help of the loan, he will start to make sweet breads, which is what his customers are asking for. His wife helps him to make the bread, but only from time to time because she has to take care of their children.
View original language description ↓
José tiene 28 años de edad, es casado y tiene tres hijos; de 6, 4 y dos años de edad. Él tiene 15 años de dedicarse a la panificación; inicio cuando emigro de su comunidad a la ciudad y empezó a trabajar lavando los moldes en una panadería, poco a poco él fue aprendiendo como se elaboraba el pan. Debido a la violencia que se vive en la ciudad, José decidió emigrar nuevamente a la comunidad e instalar su propia panadería.

La harina, mantecas, entre otros insumos para elaborar el pan, los compra en la capital del país, viaja una vez por semana 160 kilómetros de ida y regreso a su casa, gastando unos $20 dólares solo de transporte. Él compra 20 bolsas de harina en cada viaje, pero su compra no califica para que se lo envíen a domicilio.

El préstamo que esta solicitando a Fundación Campo, es para comprar latas, harina para elaborar pan dulce, una bicicleta para emplear a otro vendedor. Él tiene tres empleados que salen a vender pan en bicicletas a las comunidades y con la nueva bicicleta contratara a otro empleado más haciendo un total de cuatro. Actualmente, solo elabora pan francés; pero con el crédito elaborara pan dulce, ya que sus clientes se lo están demandando. Su esposa le ayuda a elaborar el pan; pero esporádicamente porque se dedica al cuidado de sus hijos.

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
  • 469
    View loans »
    El Salvador Loans Fundraising
  • $23,276,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped José Lázaro to buy baking trays, flour to make sweet bread, and a bicycle for another vendor he plans to hire.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 16, 2013
Listed
Feb 1, 2013
Currency Exchange Loss:
N/A
Ended:
Jan 17, 2014