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Encarnación
Encarnación is 50 years old. She is a widow with three children. She is an older woman who works hard every day to get ahead and reach her life goals. She grew up with her parents, who taught her to work in agriculture and on the coffee farms in the area. Her parents owned a small store where she learned the business. Encarnación got married at the age of 18 and had three children who are now grown. Her husband died 28 years ago, and her children emigrated to the United States. She now lives with her five grandchildren in her home. She used to work selling vegetables in the city market. She would have to walk 45 minutes from the mountains where she lives, and then take the bus to the city. She now has a small store in her community which provides an income for her family.
She buys her merchandise in the city. To get there, she has to walk. It often takes 45 minutes to get to the village where she catches the bus for the city. She then brings her products back to her community to sell them. She sells basic staples such as beans, corn, rice, and oil. She also sells medicine and other household products.
This loan, which she is requesting from Fundacion Campo, is for the purchase of bricks, cement, and sand, and to pay labourers to install a floor in her home. They currently have a dirt floor and she wants to install brick. With this investment, she will have a more dignified home. She has built her home through great hard work, and now she needs bricks so that she and her grandchildren can live a better life. They currently run the risk of getting infections in their feet from the humidity.
She plans to buy a larger display case to display her products, and to help her grandchildren with their studies.
View original language description ↓
Encarnación tiene 50 años de edad, es viuda y tiene tres hijos. Es una persona mayor de edad luchando día a día por salir adelante y cumplir lo que siempre se ha propuesto. Creció junto a sus padres, quienes le enseñaron a trabajar la agricultura y en las fincas de café de la zona donde vive; sus papas en ese tiempo poseían una pequeña tienda en donde aprendió del negocio. Luego se caso a los 18 años, procreo tres hijos ya ahora mayores de edad, su esposo murió hace 28 años. Sus hijos emigraron para estados unidos, ella actualmente vive con sus cinco nietos en la casa. Antes trabajaba vendiendo verduras en el mercado de la ciudad, el cual tenia que caminar desde las montañas donde ella vive por 45 minutos, luego tomar el bus hasta la ciudad. Hoy en día posee una pequeña tienda en la comunidad de la cual obtiene ingresos económicos a la familia.
La mercadería la adquiere en la ciudad, para llegar ahí tiene que caminar en muchas ocasiones por 45 minutos hasta llegar al pueblo de donde ella toma el bus, para ir a la ciudad, que luego lleva a la comunidad para venderla. Ella vende productos de la canasta básica, como frijol, maíz, arroz, aceite, además vende medicina y otros productos para el hogar.
El préstamo que esta solicitando a Fundacion Campo, es para comprar ladrillo, cemento, arena pago de mano de obra; para ponerle el piso a su casa, pues es de tierra y desea ponerle ladrillo. Con la inversión, poseerá una vivienda mas digna, pues con esfuerzos muy grandes ha construido la vivienda, ahora le falta el ladrillo, para que junto a sus nietos vivan mejor, debido a que corren el riesgo de contraer enfermedades en los pies a causa de la humedad.
Planea comprar un estante más grande, para colocar sus productos, y ayudar a los nietos en los estudios.

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.

About El Salvador

  • $4,900
    Average annual income
  • 523
    View loans »
    El Salvador Loans Fundraising
  • $23,459,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Encarnación to buy bricks, cement, and sand, and to pay labourers to install a floor in her house.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jun 7, 2013
Listed
Jun 28, 2013
Currency Exchange Loss:
N/A
Ended:
Feb 20, 2015