Update on María SebastianaMaría is 51 years old and lives with her son who is 13 and is a student in grade six. She also has a 26 year old son who lives in the United States. It is important to mention that she was married for 8 months and on separating from her husband she was pregnant. This child died at birth. The children she has are adopted.
María sells fruit and vegetables in the municipal market which is 3 kilometers from her house. She has done this since she was 19 years old. Moreover she is a leader in her community. She is the president of the Community Development Society which helped her get a job as the Co-coordinator of a program, called PATI. It was instigated by the major's office and is supervised by FISDL (a federal social initiative institution). She has occupied this position this since 2011. She teaches seniors and children about home vegetable gardens and making bread and pizzas. She receives $200 per month from the project, for working with the groups from 8 until 12 pm, Monday to Friday.
Maria will use $500 of this loan to repair the roof of her house, $545 in planting fruit trees on a plot of land beside the Pan American Highway, where she plans one day to open a restaurant and $155 to pay off an existing loan she has with Fundación Campo. With this loan she can enjoy health and comfort with no dampness inside her home and help her in the construction and realization of her dream of opening a restaurant outside the city in an area with an abundance of people.
Ella se dedica al comercio de frutas y verduras en el mercado municipal, que se encuentra a 3 kilómetros de su vivienda. Esta actividad la desempeña, desde que tiene 19 años de edad; además, es líder en su comunidad y es la presidenta de la asociación de desarrollo comunal, lo que le sirvió para adquirir el trabajo de coordinadora de un programa denominado PATI que se está ejecutando desde el 2011 impulsado por la alcaldía de la ciudad y supervisado por el FISDL; consiste en enseñar a jóvenes y adultos mayores en la elaboración de huertos caseros, elaboración de pan, pizzas. En este proyecto le incentivan con $200.00 por mes. Considerando que trabaja con los grupos de lunes a viernes, en los horarios de 8:00 a 12:00 pm.
El préstamo será invertido así: $500.00 para hacer reparaciones al techo de la vivienda y $545.00 en forestar con árboles frutales una parcela que se encuentra a Oria de la calle panamericana, en la que aspira instalar su restaurante en un futuro y $155.00 para cancelar el préstamo vigente en la Fundación Campo.
Con la inversión, gozara de confort y salud al evitar humedad en el interior de su casa y apoyarle en la construcción y realización del sueño de instalar un restaurante fuera de la ciudad en una zona de afluencia de personas.
Previous Loan DetailsMaría is 51 years of age and lives with her child aged 13, who is studying in the sixth grade. She has a son aged 26 who resides in the United States. It is important to mention that she was married for 8 months, and when she separated from her husband she was pregnant, and that this child died a... More from María Sebastiana's previous loan »
About CrediCampoThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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
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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Aug 9, 2013
- Aug 25, 2013
- Currency Exchange Loss:
- Apr 16, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.