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José Ángel
José, a 46 year old man, has studied up to the seventh grade. He has a partner who is also a farmer and three children who are all adults.

Specifically, he sows corn, sorghum and beans, which he grows in the rainy season. In the dry season he carries out other activities such as for example: rearing pigs, which gives him other sources of income.

He has been a farmer since he was 12 years old. He learnt to work on the land thanks to his stepfather, who taught him how. His corn field is located 5km away from his house. He travels there by bicycle. His partner helps him with the farming.

The loan he is requesting is to buy fertilizers, insecticides, weed-killer and seed to sow 17,500 square metres of sorghum, because this crop gets a better price in the market, compared to corn whose price has fallen.

With the loan he will have the money to establish and manage his crops. This will allow him to earn income which will cover the basic needs of him and his partner.

He wants facilities to come to the canton which have alternative ways of diversifying farming, so the area is not dependent only on the most common crops (corn, sorghum, sesame and beans) and therefore there will be less risk of losing the investment made.
View original language description ↓
Don José, hombre de 46 años de edad, logró estudiar hasta séptimo grado, esta acompañado. Su compañera de vida se dedica también a la agricultura, sus tres hijos ya se independizaron.

Él se dedica específicamente, a la siembra de maíz, maicillo y frijol, estos los cultiva en la época lluviosa. En la época seca se dedica a otras actividades, por ejemplo: la crianza de cerdos, que le genera otros ingresos.
Se dedica a la agricultura desde que tenía 12 años de edad. Aprendió a trabajar la tierra gracias a que su padrastro le enseño esta actividad. Su milpa se encuentra a 5 km. de su casa, viaja en bicicleta. Su compañera de vida le ayuda en los trabajos agrícolas.

El préstamo que esta solicitando, es para comprar fertilizantes, plaguicidas, herbicidas y semilla para la siembra de 17,500 metros cuadrados de maicillo, debido a que este cultivo esta mejor pagado por el mercado, en comparación al maíz que ha venido a la baja de precios.

Con el préstamo tendrá el capital que le permita el establecimiento y manejo del cultivo. Permitiendole, obtener ingresos que le permitan a él y su señora cubrir las necesidades básicas.

Desea que al cantón puedan llegar instituciones que lleven alternativas de diversificación de la agricultura, para no estar dependiendo solo de los cultivos mas comunes (maíz, maicillo, ajonjolí y fríjol) y así tener menos riesgo de perder la inversión hecha.

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.

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About El Salvador

  • $7,500
    Average annual income
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,000 helped José Ángel to buy fertilizers, insecticides, weed-killers and seeds to sow 17,500 square metres of sorghum.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 2, 2013
Listed
Aug 25, 2013
Currency Exchange Loss:
N/A
Expired:
Sep 24, 2013