He buys the supplies for his crops from a supplier in the area since it is better to buy them in his own community because of his age and because of the additional costs incurred if he were to buy them elsewhere. He then carries them on his back with the help of his wife and one of his children for approximately 1.5 kilometres.
The loan will be used to fertilize 0.85 square kilometres of land ready to plant corn and he will also prepare the rest of the land for planting in the second season beginning on August 15. By doing this, he will not have to buy corn at expensive prices for his family to eat, which is good as he sometimes does not have enough money to buy what he needs due to the sporadic nature of his work as a day labourer.
In the future he wants to work with his own capital and repurchase some calved cows he had before. He had to sell them when he had kidney problems. Now he is healthy but he lacks the resources to guarantee an income for his family and paid studies for his children.
HERMINIO TIENE 64 AÑOS DE EDAD, ES CASADO Y TIENE CINCO HIJOS. VIVE DESDE HACE UNOS 4 AÑOS EN LA COMUNIDAD CONSTRUYO SU CASA EN LO QUE RESULTA UNA CAPA ASFALTICA Y QUE ES PROPIEDAD DEL GOBIERNO Y QUE GOSAN DE DERECHO DE POSESION. DON HERMINIO SE CRIO COMO MUCHOS EN LA ZONA RURAL Y CON SUS PADRES APRENDIO A REALIZAR ACTIVIDADES DE PRODUCCION AGROPECUARIA TRABAJANDO COMO JORALERO Y PROPIO EN CULTIVOS DE SUB SISTENCIA, LUEGO QUE SE CASO Y SACO ADELANTE A SU FAMILA TRABAJANDO TODOS JUNTOS Y FUE POR PROBLEMAS DE SEGRIDAD SOCIAL Y DE SALUD QUE EMIGRO DE COMUNIDAD DE ORIGEN; LUEGO SE ADACTO A LAS FORMAS DE VIDA DE LA ZONA Y LA QUIEBRA DE PIEDRAS Y LA PESCA ARTESANAL EN LA LAGUNA EL JOCOTAL SON LAS ACTIVIDADES QUE LA MAYORIA DE LAS FAMILIAS HACEN PARA VIVIR. PERO AHORA EL SE DEDICA A LA PRODUCCION DE GRANOS BASICOS ESPECIALMENTE MAIZ QUE VA A CULTIVAR EN UN TERRENO QUE ARRENDO EN LAS AFUERAS DE LA COMUNIDAD PARA LA EPOCA DE LLUVIAS YA QUE DONDE EL VIVE NO HAY TIERRA AGRICOLA YA QUE PRACTICAMENTE VIVEN SOBRE LA CAPA DE LAVA VOLCANICA COSOLIDADA.
EL COMPRA LOS INSUMOS PARA SU CULTIVO A UN PROVEEDOR DE LA ZONA; YA QUE POR SU EDAD Y LOS COSTOS ADICIONALES EN QUE INCURRIRIA A EL LE SALE MEJOR COMPRARLOS EN LA COMUNIDAD, LUEGO LOS ACARREA EN LA ESPALDA CON SU ESPOSA Y UNO DE SUS HIJOS APROXIMADAMENTE TIENE QUE CARGARLOS 1.5 KILOMETROS.
EL PRESTAMO SERA UTLIZADO PARA LA FERILIZACION DE 0.85 KILOMETROS CUADRADOS DE CULTIVO DE MAIZ Y PREPARAR EL RESTO DE TERRENO PARA SEMBRAR EN LA SEGUNDA EPOCA QUE INICIA EL 15 DE AGOSTO. DE ESTA MENERA, NO TENDRA QUE COMPRAR EL MAIZ PARA EL CONSUMO DE SU FAMILIA A UN PRECIO QUE MUCHAS VECES LE RESULTA MUY ALTO Y POR LO ESPORADICO DE LOS TRABAJOS COMO JORNAL AVECES NO CUENTA CON DINERO PARA COMPRAR LO NECESARIO
EN UN FUTURO DESEA TRABAJAR CON CAPITAL PROPIO Y QUIERE COMPRAR DE NUEVO UNAS DOS VACAS PARIDAS YA QUE ANTES TENIA Y LAS TUBO QUE VENDER CUANDO SE ENFERMO DE SUS RIÑONES AHORA EL GOZA DE BUENA SALUD PERO LE FALTAN RECURSOS PARA GARANIZAR LOS INGRESOS DE SU FAMILIA Y QUE SUS HIJOS PEQUEÑOS ESTUDIEN
More information about this loan
This loan is part of a CrediCampo project to help rural farmers living in extreme poverty plant basic grains to feed their families. Excess product is sold on the local market. These loans are smaller than the typical loans offered by this field partner, and guarantee requirements are also reduced. Individuals who receive this type of loan also get access to technical assistance, information on good environmental practices and increased access to farm inputs like fertilizer. This is considered a high risk loan due to the population and loan purpose, and CrediCampo is one of the very few institutions in El Salvador willing to working with these farmers.
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.
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Success!! The loan was 100% repaid