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José Danilo
José is a 33-year-old man who has a 7 year-old-son. He was born and bred in San Miguel but, security problems forced him to move with his family to a different place. They built their houses there in a space previously occupied by the Pan-American Highway. For family and financial reasons he had only 4 years of primary education and now lives alone with his 7-year-old son as his partner left him for another man. José's mother lives close by and helps him with his son and does some of the housework while he does agricultural work (for himself or as a day worker) or works as builder's assistant because they are the main economic activities in the region. He works with his brother growing basic grains (corn) on a plot of land which was left unused after the state bank repossessed it. Now the locals grow subsistence crops on the land which is 0.5 km away. José buys his agricultural supplies in the city, which is a 10km bus-ride away, and then carries them on his back to the plot. His son goes to the local school each morning and is in the first year of primary education. The loan will be used to buy agricultural supplies (weed-killer and fertiliser) to sow 0.4 hectares of corn. The aim is to use the corn to feed his family and to sell some to local tortilla sellers and thereby pay of the loan. José hopes that the loan will enable him to produce enough grain for his family's consumption and to sell the rest to pay off the loan he has applied for. His ambition is to see his son study for a professional career and to eventually free himself of his current commitments. He has an existing loan from another institution which has to be repaid within two months. He hopes to improve his living conditions and buy some furniture, as he currently only has the bare necessities. Additionally, he does not have electricity and so having this installed is, perhaps, his most pressing need.
View original language description ↓
José es un hombre de 33 años de edad, ha procreado un hijo de 7 años de edad. Él es originario de la ciudad; pero por problemas de seguridad se vio obligado a emigrar junto con su familia a otro lugar y construyeron sus casas en el espacio que ocupaba antes la carretera panamericana . Por limitaciones familiares y económicas solo estudio hasta 4 grado de básica y vive solo con su hijo de 7 años; ya que su compañera de vida los abandono y se fue de la casa con otro hombre. La mamá de José, vive a la par de su casa y le ayuda con su hijo y algunos quehaceres de la casa; mientras él trabajaba en actividades agrícolas, ya sean propias o como jorna, ya que son las principales actividades economías de la zona. Siembra de granos básicos (maíz), trabaja con su hermano en una propiedad que embargo el banco del estado y queda sin uso y la gente de la zona realizan sus cultivos de subsistencia en ese terreno que esta a 0.5 km. Los insumos agrícolas los compra en la ciudad teniendo que viajar en autobús a unos 10 km hasta la cuidad y luego acarrearlos en la espalda hasta los lugares de cultivo o en construcciones como ayudante de albañil. Su hijo asiste a la escuela de la comunidad en la jornada matutina a 1 grado de básica.


El préstamo sera utilizado para la compra de insumos agrícolas ( herbicidas y fertilizantes ) para la siembra de 0.4 Ha de maíz. Con el propósito de disponer del grano para la alimentación de su familia y vender una parte a las vendedoras de tortilla de la comunidad y así pagar la deuda del préstamo.

José, espera con el préstamo cosechar suficiente grano para el consumo de su familia y vender el excedente de la cosecha para pagar el préstamo solicitado. Sueña con que su hijo estudie una carrera profesional y algún día liberarse de los compromisos que posee. Él mantiene un préstamo en otra institución que deberá cancelar dentro de dos meses. Espera ir mejorando sus condiciones de vida e ir comprando algunos muebles; debido a solo posee lo básico para vivir y no tiene energía eléctrica y quizá sea lo mas urgente de instalar.

Additional Information

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 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 El Salvador

  • $7,500
    Average annual income
  • 749
    View loans »
    El Salvador Loans Fundraising
  • $25,510,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped José Danilo to buy weed-killer and fertiliser to sow 0.4 hectares of corn.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Jul 26, 2013
Listed
Sep 3, 2013
Currency Exchange Loss:
N/A
Ended:
May 22, 2014