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Ana Ruth
Ruth is 37 years old and has three children. From a very young age, she has been selling informally for a living. She married very young and as a result of that situation, she’s had to work to cover the household expenses. She has always engaged in activities like selling food and selling products by catalog. She lives with her three children and is a single mother who has struggled to get her children ahead. Her oldest daughter has graduated from high school and she is the one who helps with the housework.

The selling is done on an intermittent basis or whenever she is requested for food preparation. She visits the city to buy all the supplies and to be prepared to meet the needs.

The loan she is requesting from Fundación Campo is to lay flooring in her home. Currently, it is just cement, but she wants to lay a tile floor seeing as she plans to set up a small piñata shop there. She is familiar with this type of business, but for lack of a suitable place, she has not been able to set it up.

After remodeling her home, she will set up the business that she has always planned to have and with it offer a rare service, although it has demand from the community. She has always been looking at how to slowly improve her home and make it more and more beautiful.

While it is true that the main objective of the loan is to improve her home, by getting her business up and running, she will earn more income. She will also be providing a productive activity for her daughter, who will be her right-hand person in implementing this business.

When asking her about the plans she has for the future, she said she has always dreamed of having her own business and run it with her family. She also dreams of having a sustainable income so she can provide the legacy of education to her young children so that they can be useful people in the community.
View original language description ↓
Ruth tiene 37 años de edad, tiene tres hijos. Se ha dedicado desde muy joven a realizar comercio informal, ella se caso muy joven y por la misma situación le ha tocado trabajar para cubrir los gatos del hogar. Ella siempre ha realizado actividades como venta de comida, venta de productos por catálogos, ella vive con sus tres hijos y es madre soltera que ha luchado por sacar adelante a sus hijos al punto que la hija mayor se ha graduado de bachiller y es quien le ayuda con los oficios de la casa.

Como el comercio lo realiza de forma intermitente o cuando le solicitan la elaboración de comida, ella visita la ciudad para comprar todos los insumos y poder estar preparada para cubrir las necesidades.

El préstamo que esta solicitando a Fundación Campo, es para colocarle el piso a su vivienda. Actualmente, lo tiene solo de cemento pero ella quiere colocarme piso de cerámica en vista que en su misma casa ella planea instalar una pequeña piñatería, conoce de este oficio; pero por falta de un local idóneo no la ha podido instalar.

Al remodelar su vivienda instalar en su misma casa de habitación el negocio que siempre ha planeado tener y con ella ofrecer un servicio poco común y que a pesar de ello presenta demanda por parte de los habitantes de la comunidad, ella siempre ha visto como ir de a poco mejorando su casa y poder tenerla cada ves mas bonita.

Si bien es cierto el objetivo principal del crédito es mejorar la vivienda, ella al instalar el negocio y ponerlo a funcionar ella obtendrá mayores ingresos y además podrá dar una actividad productiva a su hija que será su mano derecha al implementar este negocio.

Al consultarle a la señora sobre los planes que ella tiene a futuro, manifestó que siempre ha soñado con tener su propio negocio en donde administrarlo junto a su familia y en poder tener ingresos sostenibles en el tiempo para poder ofrecer el legado de la educación a sus hijos pequeños para que estos puedan ser personas de provecho dentro de la comunidad.


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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

Tags

About El Salvador

  • $7,500
    Average annual income
  • 844
    View loans »
    El Salvador Loans Fundraising
  • $25,704,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,500 helped Ana Ruth to lay flooring in her home.
Repayment Term
38 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 14, 2013
Listed
Jun 29, 2013
Currency Exchange Loss:
N/A
Expired:
Jul 29, 2013