Yamileth Del Carmen
Update on Yamileth Del CarmenYamilet is 29 years of age and has three sons. She earns a living making tortillas which she sells from the sidewalk on the main street of the city. Her post has been assigned by City Hall and she is permitted to sell her tortillas between 6:00am and 2:00pm. On weekends she runs a business selling pupusas from her home and she also has a mini store there. She is a determined woman with very good principles.
She is managing a loan with Fundación Campo which has been funded by KIVA. She has repaid this loan very punctually from the sale of tortillas and the other activities that she carries out.
Before becoming involved in this business she studied. She buys the ingredients needed to make tortillas and pupusas in a store that sells basic grains. This store is located roughly 4 blocks from where she sells tortillas. Another product that is very important to mention is the gas that she uses to cook her products. She purchases this from the gas distributors, and they take care of delivering it to her business.
The loan that she is requesting from Fundación Campo is to buy 8 quintals of corn and 10 cylinders of gas. All of the materials that she will buy will be used in the production of tortillas for a month. To make pupusas on weekends she will buy 4 pounds of pork rinds and 4 pounds of soft cheese. She will also use the new loan to pay the balance on her current loan.
Having purchased all of these ingredients she will be able to make tortillas for a whole month (even during corn shortages). When she buys these products she will increase her supplies and, therefore, the level of sales since the demand is quite high. She will be able to make a larger number of products to be sold.
She has plans to buy land in the future because she is currently renting a home. Depending on how the sale and profits from the tortillas go, she would later like to begin building a small house for herself and her children.
Los fines de semana en su casa de habitación tiene el negocio de venta de pupusas y también una mini tienda es una señora muy luchadora de muy buenos principios.
ella, está manejando un crédito con la Fundación Campo y la fuente de financiamiento es KIVA, este crédito lo ha cancelado en una forma muy puntual producto de la venta de tortillas y de las otras actividades que elle realiza.
Antes de dedicarse a este negocio estaba estudiando. Compra la materia prima para la elaboración de las tortillas y pupusas en una comercial de granos básicos, dicha tienda se encuentra ubica a unas 4 cuadras de donde ella tiene la venta de las tortillas. Otro producto muy importante de mencionar es el gas que ella utiliza para el cocimiento de sus productos este lo compra a los distribuidores de gas, ellos se encargan de írselo a dejar a su negocio.
El Préstamo que esta solicitando a Fundación Campo, es para comprar 8 quintales de maíz, 10 cilindros de gas, toda esta materia prima que comprara será para la producción de tortillas de un mes. En cambio para la elaboración de las pupusas el fin de semana comprara 4 libras de chicharon,
4 libras de quesillo. También del nuevo financiamiento se pagara los saldos que debe del presente crédito.
Al comprar toda esta materia prima podrá producir las tortillas para un mes completo (también en el tiempo de escases de maíz). Al comprar estos productos se incrementaran los inventarios por ende los niveles de venta ya que la demanda es bastante fuerte y se podrá tener mayores volúmenes de productos terminados para la comercialización.
Tiene planes a futuro comprar un terreno; ya que donde ella vive es alquilado y según sea la venta y ganancia de las tortillas. Posteriormente quiere comenzar a construir una pequeña vivienda para ella y sus hijos.
Previous Loan DetailsYamilet, 29, is the mother of three sons. She operates a food business, making and selling tortillas and pupusas. She operates the business from a spot on the city's main street. During the week, she works from 6:00 in the morning until 2:00 in the afternoon. On weekends, she operates a corner… More from Yamileth Del Carmen'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
- Apr 17, 2013
- Apr 18, 2013
- Currency Exchange Loss:
- May 22, 2014
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.