Update on María EduardaMaría is 56 years old, married, and has three children, one of whom has left home. She lives with her retired husband who worked as a caretaker at the national hospital in the city. Their three children are financially independent; one is a radio announcer and a Christian evangelist, and the other two work in a local supermarket.
María sells traditional food which she makes from corn and yuca: corn-based drinks, stuffed tortillas, and fried dumplings. She also sells blouses, children’s clothing, and rubber sandals. The ingredients for the food are bought in the municipal market, and the clothing and sandals from a friend who is a member of the same church.
The loan María is seeking from Fundación Campo is to settle a payment that is due with the institution, and the rest will be used to buy clothing and footwear to sell. As well, she will buy sheeting for the roof of their house so that their belongings do not get wet. The wood is rotten so María wants to have the roof repaired before the rainy season (the month of May).
The loan will give her more capacity to buy merchandise for her customers, and repair the roof of her house. This will prevent the roof from deteriorating further and causing illnesses and insect infestations from the damp conditions.
María’s goal is to continue selling food, clothing and footwear. One day she would like to open a store in her house.
María tiene 56 años de edad, esta casada y tiene dos hijos, uno de ellos no vive con ellos. Ella vive con su esposo, Persona que está jubilado y se desempeño como conserje en el Hospital Nacional de la ciudad, sus tres hijos son personas independientes económicamente, uno es locutor y evangelista cristiano y sus otros dos hijos son empleados de supermercados en la ciudad.
Se dedica a la venta alimentos tradicionales que prepara a base de maíz, y yuca como atoles, pupusas, nuegados; también, vende blusas y ropa de niños y sandalias de hule. Las materias primas para preparar los alimentos las adquiere en el mercado municipal y la ropa y las sandalias las compra asociada con una amiga miembro de la misma iglesia con el objetivo de negociar mejores precios.
El préstamo que esta solicitando a Fundación Campo, es para cancelar un saldo pendiente con la institución y el resto para comprar ropa y calzado para la venta; también, comprara láminas para el techo de su vivienda, de no hacerlo se le mojaran sus pertenencias y las madera de la estructura se le dañará, por eso se esta anticipando reparar a la época de lluvias. (Mes mayo)
Con el financiamiento mejorará su capacidad de compra de mercaderías para cumplir con la demanda que posee y al realizar las mejoras en el techo de la vivienda evitará se le deteriore la estructura del techo de su vivienda y el exceso de humedad que puede propiciar el ambiente favorable para enfermedades respiratorias y el desarrollo de insectos.
Su propósito es, trabajar en el negocio de venta de alimentos, ropa y calzados; un día establecer una tienda un su casa.
Previous Loan DetailsMaría, 56, is married and has two children but one of them no longer lives with her. She lives with her husband who is a retired hospital worker; he worked as a caretaker. She’s been working selling ‘pupusas’ [filled, grilled corncakes] and ‘atole’ [corn-based beverage], among other food to order… More from María Eduarda's previous loan »
About CrediCampoThis 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 El Salvador
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Success!! The loan was 100% repaid
- Repayment Term
- 20 months (Additional Information)
- Repayment Schedule
- Mar 23, 2013
- Mar 28, 2013
- Currency Exchange Loss:
- Jan 17, 2015
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.