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José Adelio
José is 38 years old and has a partner and two children. He has worked in agriculture since childhood, learning the work from his father who taught his son to work very hard in order to provide for the household. Now with a house of his own José has been able to successfully meet all of his household commitments. He feels that with this work he can get by economically throughout his life, but he also works in a workshop where he is the driver. This gives him an extra income which means he can cover all of his household expenses.

He buys his family's food and the materials he needs for his work in the nearest city some 6 kilometres away. However there is limited transport and he has to wait hours for the bus. From where he gets off the bus he has to walk a kilometre to his house which is hard work when he has to carry his purchases.

José is asking for the loan to buy bricks, cement, sand and iron in order to put in a bathroom and washbasin, since his house does not have these basic services. The main aim in building the bathroom and basin is to have more privacy. If he buys all of the materials at once he will save some money since they will work out cheaper and similarly the transport will be cheaper.

His future plans are to carry on working very hard to pay off his loan and later to enlarge his house and have a better way of life with his family.
View original language description ↓
José tiene 38 años de edad, esta acompañado y tiene dos hijos. Se dedica a la agricultura desde su niñez; aprendió este rubro de su padre quien fue el pionero en enseñar a su hijo a trabajar muy duro para llevar el sustento a su casa. Hoy ya con un hogar propio don José ha podido salir adelante con todos sus compromisos dentro del hogar. Él siente que con su trabajo se puede defender económicamente de acuerdo al tiempo que se vive; pero también se dedica a trabajar en un taller donde es el motorista esto le genera un ingreso extra con el cual puede cubrir todos sus gastos en el hogar.

Los materiales que necesita para su trabajo, así como la comida para su familia los compra en la ciudad mas cercana ubicada a unos 6 kilómetros; pero el transporte es escaso y tiene que esperar por horas a que pase el autobús y de donde lo deja el tiene que caminar hasta su casa 1 kilómetro haciendo esto que el realice un esfuerzo extra para su traslado y el de sus compras.

Don José solicita el crédito para comprar ladrillos, cemento, arena, hierro; para elaborar una pila y baño ya que en su casa no tiene estos servicios básicos.

La principal necesidad sera que al construir la pila y el baño tendrá mas privacidad; ademas que si compra todos los materiales de un solo ahorrara un poco ya que le saldrán mas baratos y el transporte sera mas bajo,así como el precio de los materiales.

En un futuro, quiere seguir trabajando muy duro para cancelar el crédito y después hacer mas grande su casa y tener una mejor forma de vida con su familia.

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
  • 449
    View loans »
    El Salvador Loans Fundraising
  • $23,095,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped José Adelio to buy bricks, cement, sand and iron in order to put in a bathroom and washbasin, since his house does not have these basic services.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 3, 2013
Listed
Jul 28, 2013
Currency Exchange Loss:
N/A
Ended:
Dec 17, 2013