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Elsa Albina
Elsa is a 19 year old young woman who has been selling bread and natural soft drinks for a number of years. She lives with her life’s partner and they have a daughter who is less than a year old. Besides being a housewife, she works with her husband to prepare the items for sale each day so that they can be distributed to the surrounding communities.

She buys all of the supplies she needs to make her daily sales in large quantities so that the price is better. The price will go up and her profits will go down if she buys individually or in small quantities. She travels to town, up to 35 km away, but there are also local stores where she can buy her supplies and not have to pay for travel every day. She also needs to buy fresh products in order to have better quality.

She will use the money from this loan to buy fruit, chicken, vegetables, bread, and other supplies that she needs for her daily sales and to run electricity into her house. They currently get it from a nearby home and she wants to have her own electricity and improve her house a bit.

This loan will allow her to invest in her business so that she can meet her customer demands. She also wants to have a dignified home with no risk for her family.

She has gone through some very rough financial times in the past few years and this new project should provide long range financial stability. Part of the plan is for the business to become self-sustaining. This increased income will provide more security and stability to her family.

She sees herself as always having her business in the future. Although she only has one salesperson now, she wants to have two in the future and increase over time. She also plans to have another child so that her son will not grow up alone and so that he has someone to share his parents’ love with. She and her husband want to continue improving their house little by little, since it needs repair, so that the walls don’t get wet when it rains. They also want to install a concrete floor.
They live in an adobe house and it needs much improvement. They will accomplish their goals with the help of Fundación Campo.
View original language description ↓

Elsa es una joven de 19 años de edad, tiene varios años de dedicarse a la venta de panes y refrescos naturales, vive junto a su compañero de vida y tienen en común una hija que aún no tiene el año de nacida. Ella además de ser ama de casa, también es la encargada junto a su compañero de vida de preparar la venta de cada día para que esta sea distribuida en comunidades aledañas.

Todos los insumos que necesita para elaborar la venta diaria, la compra por grandes cantidades para que el precio sea menor en vista, que si ella compra de forma individual o por cantidades pequeñas el precio se incrementa y la ganancia que queda en el negocio es poca, se trastada hasta la ciudad que esta a 35 kilómetros, también existen tienda en la comunidad donde compra sus insumos para no tener que gastar en pasaje todos los días, que por la naturaleza tiene que comprar productos frescos para tener mejor calidad en los mismos.


El préstamo se utilizará para comprar fruta, pollo, verduras, panes, etre otros insumos que necesita para elaborar la venta diaria y para instalar la energía eléctrica en su casa, ya que actualmente la reciben de una casa aledaña y es su deseo tener su propia luz y mejorar la vivienda poco a poco.

Con el préstamo se hará una fuerte inversión para que su negocio cubra con las demandas que presentan las personas que visitan su negocio. Además, se logrará tener una vivienda digna que no represente ningún tipo de riesgo para sus familiares.

En los últimos años han pasado momentos muy difíciles financieramente hablando, por ende con este nuevo proyecto pretende tener una estabilidad económica a un largo plazo; ya que en sus planes esta que su negocio se mantenga en el tiempo. Con mayores ingresos el cliente podrá mejorar sus condiciones de vida y dar mayor seguridad y estabilidad a su familia.

a futuro se ve siempre con su negocio y en crecimiento, que si hoy tiene un solo vendedor a futuro ella piensa tener dos y así sucesivamente aumentar. A parte desea tener un hijo mas para que su hijo no crezca solo y tenga con quien compartir el amor de sus padres, tiene la ilusión junto a su compañero de vida de seguir mejorando su vivienda poco a poco ya que necesitan repellarla para que no se laven las paredes cuando llueva, encementar el piso de su vivienda.
Ellos tienen una vivienda de adobe la cual tiene mucho que mejorar y con la ayuda de Fundación Campo logrará estas metas.



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 El Salvador

  • $4,900
    Average annual income
  • 646
    View loans »
    El Salvador Loans Fundraising
  • $24,202,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Elsa Albina to buy ingredients.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 26, 2013
Listed
Aug 27, 2013
Currency Exchange Loss:
N/A
Ended:
Sep 17, 2014