Mirna, 31, lives with her common-law husband and three children, ages 7, 12 and 15. She has been working from home ever since she got married over 15 years ago. After having her first child the household expenses began to increase and the income from her husband's work as a bricklayer was not enough to cover all the family's needs. She was initially able to see a business opportunity in running a Nixtamal mill. Then she bought a grill to make pupusas (stuffed tortillas) which she sold on the week ends. On the other days she was able to sell tortillas. She gets up very early every morning to prepare what she needs to make the tortillas. Her first customers begin arriving at 7:00 a.m. and before that she has to get the children dressed and off to school. The youngest two are in 1st and 6th grade and the oldest goes off to another community to study 9th grade.
Corn is the main raw material for Mirna and she buys it from the producers in the area. She buys her other supplies in the city with is 15 kilometers away so she either takes the only available bus or rides in a pick-up truck that covers the route.
The loan she is requesting through Fundación Campo is to buy corn and have enough inventory for the rainy season. She also will buy other products such as coffee, dairy products, sausage, beans, rice, sugar, etc. to sell to her customers when they come for the tortillas. She also wants to plant seven acres of corn crop.
With this investment she hopes to expand and grow her business because the opportunity is there and she believes her expenses will increase as her children advance in school. Her oldest daughter has to continue high school in the city and Mirna wants all her children to continue their education.
In the future, she and her husband want to build a new brick house on a lot they received from the government. Now they live in an adobe house with a cement wall that they built on land that belonged to a ranch but was abandoned. Several families with low incomes have built their houses there.
MIRNA TIENE 31 AÑOS DE EDAD, ESTA ACOMPAÑADA Y TIENEN TRES HIJOS DE 7, 12 Y 15 AÑOS DE EDAD RESPECTIVAMENTE. ELLA TIENE VARIOS AÑOS DE TRABAJAR DESDE QUE FORMO HOGAR HACE MAS DE 15 AÑOS Y YA CON LA LLEGADA DE LOS PRIMEROS HIJOS, LOS GASTOS EN LA CASA FUERON MAS Y EL TRABAJO COMO ALBAÑIL DE SU COMPAÑERO DE VIDA, NO ALCANSABA PARA SATISFACER TODAS LAS NECECIDADES DE LA FAMILIA Y ELLA IDENTIFICO OPORTUNIDADES DE NEGOCIO PRIMERO CON UN MOLINO DE NIXTAMAL , LUEGO COMPRO UNA PLANCHA PARA HACER PUPUSAS Y VENDER LOS FINES DE SEMANA Y DESPUES IDENTIFICO OTRO MERCADO HACIENDO Y VENDIENO TORILLAS TODOS LOS DIAS . ELLA SE LEVANTA TODOS LOS DIAS MUY TEMPRANO A PREPARAR LA MATERIA PRIMA PARA LAS TORTILLAS POR QUE SUS CLIENTES EMPIESAN A LLEGAR ALAS 7 A.M. Y ANTES DE ESO DEBE ALISTAR A SUS HIJOS Y LLEVARLOS A LA ESCUELA LOS MENORES CURSAN 1° Y 6° GRADO Y LA MAYOR SE DESPLASA HASTA EL OTRO CASERIO A ESTUDIAR 9° GRADO
EL MAIZ QUE ES LA MATERIA PRIMA PRINCIPAL, LA ADQUIERE A LOS PRODUCORES DE LA ZONA Y LOS DEMAS INSUMOS LOS COMPRA EN LA CIUDAD, RECORRE UNOS 15 KILOMETROS A LA CIUDAD EN EL UNICO AUTOBUS QUE PASA O SI NO EN PICK UP QUE SALEN DEL CANTON A LA CIUDAD
EL PRESTAMO QUE ESTA SOLICITANDO A FUNDACION CAMPO, ES PARA COMPRAR MAIZ Y TENER INVENTARIO PARA LA EPOCA DE LLUVIAS Y COMPRARA ADEMAS ALGUNOS PRODUCTOS PARA VENDER A LOS CLIENTES DEL CASERIO COSAS DE COMESTIBLES ( CAFE, LACTEOS, ENBUTIDOS, FRIJOLES, ARROZ, AZUCAR, ETC) QUE LE PUEDEN COMPRAR CUANDO LLEGAN A TRAER LAS TORTILLAS. ADEMAS ESPERAN SEMBRAR 0.7 Ha. DE CULTIVO DE MAIZ
CON LA INVERSIÓN AUMENTARA Y CRECERA SU NEGOCIO YA QUE SE LE PRESENTA LA OPORTUNIDAD Y SE PROYECTA A FUTURO QUE LOS GASTOS SERAN MAS YA QUE SUS HIJOS VAN AVANSANDO EN LA ESCUELA Y LOS GASTOS SON MAS Y SU HIJA LA MAYOR DEBERA CONTINUAR LOS ESTUDIOS DE BACHILLERATO EN LA CIUDAD Y QUIERE QUE TODOS SUS HIJOS ESTUDIEN
EN UN FUTURO ELLA Y SU COMPAÑERO DE VIDA, PLANEAN CONSTRUIR UNA CASA NUEVA DE LADRILLO DE OBRA O DE BLOQUE EN UN LOTE QUE LES DIO EL GOBIENO ;YA QUE ACTUALMENTE VIVEN EN UNA CASA DE ADOBE REPELLADA DE CEMENTO QUE CONSTRUYERON EN UN TERRENO QUE ANTIGUAMENTE ERA LA CALLE DE UNA HACIENDA Y QUEDO ABANDONADA Y EN ESE ESPACIO VARIAS FAMILIAS DE ESCASOS RECRSOS HAN CONSTRUIDOS SUS CASAS.
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.