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Héctor Rafael
Hector is 25 years old, unmarried and lives with his mother. Since he was 18, he has worked as a taxi driver, using vehicles of a friend, who passed away, relatives sold the units. Four years ago when he became unemployed, he chose to repair bicycles. He learned this trade while working for a friend, whom he worked for 6 months. He does this business in the patio of his house. In addition, he gets income from using his vehicle to drop off and pick up 8 children in his community to school.

The loan will be invested to move to premises in the city center, which is located 6 kilometers from his house. He already has contacts and he will pay to rent the premises and will buy more tools (two rim levelers and two pumps to inflate tires) and spare bicycle parts. He's considering employing a friend to achieve this activity. The rest he will invest in the construction of a septic tank and install a flush toilet, to put solid waste from his house. With the investment, he will be able to expand the business with the objective of obtaining better income to support him and his mother as well as improving sanitary conditions in his home. Currently he has an unhygienic bathroom and it is considered a source of contamination.

Hs wish is to expand his bicycle repair business and someday hopes to buy and distribute new bicycles, in addition to buying a taxi to work in the transportation sector, showing that he knows the activity.
View original language description ↓
Héctor tiene 25 años de edad, es soltero y vive junto a su mamá. Desde sus 18 años de edad se dedicó a trabajar como taxista, lo hacia con vehículos de un amigo quien falleció y los familiares vendieron las unidades, al quedarse desempleado opto por dedicarse a trabajar en la reparación de bicicletas, desde hace 4 años, este oficio lo aprendió trabajando como empleado para un amigo, para el que trabajó durante 6 meses. El negocio lo hace en el patio de su casa; además, posee ingresos por llevar y traer a la escuela a 8 niños de su comunidad, esto lo realiza con su vehículo.

El préstamo será invertido para instalarse en un local en el centro de la ciudad, ciudad que se encuentra a 6 Kilómetros de su casa. Ya posee los contactos y pagará por alquiler de local y comprará mas herramientas (dos niveladoras de rin y dos bombas para inflar llantas) y repuestos para las bicicletas. Considera que para realizar esta actividad empleará a un amigo, el resto lo invertirá en la construcción de una fosa séptica e instalar un baño lavable, para depositar desechos sólidos de su vivienda. Con la inversión, podrá ampliar el negocio con el objetivo de obtener mejores ingresos para el sostén de su mama y él.

También, Mejora las condiciones de salubridad en su hogar, actualmente el baño que poseen es antihigiénico y considerado un foco de contaminación.

Su deseo, es Ampliar su negocio de servicio de reparación de bicicletas y espera algún día comprar y distribuir bicicletas nuevas; además, comprar un taxi para dedicarse al sector transporte, manifestando que conoce de la actividad.

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
  • 576
    View loans »
    El Salvador Loans Fundraising
  • $23,939,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Héctor Rafael to move to premises in the city center, which is located 6 kilometers from his house. He already has contacts and he will pay to rent the premises and will buy more tools (two rim levelers and two pumps to inflate tires) and spare bicycle parts. He's considering employing a friend to achieve this activity. The rest he will invest in the construction of a septic tank and install a flush toilet, to put solid waste from his house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 13, 2013
Listed
Feb 28, 2013
Currency Exchange Loss:
N/A
Ended:
Jan 17, 2015