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José Isidro

Update on José Isidro

José is 29 years old and he is a hard-working, responsible man who fights to bring his family an improved quality of life, ensuring their food, clothing, home, and health. He wakes up at 4:30 in the morning to begin work. He cares for a pine tree farm and has to walk 45 minutes to that location. Twice a week he goes to find cattle to buy so he can sell them the next week. To do all this, he must cover long distances.

He used to be a single father, but he has since found a partner. She works out of the home so as to be available to their two children. In addition to his partner and their children, his mother lives with them, and she also helps with the household labor.

His primary work is selling cattle in the town where he lives and other towns nearby. He has four years of experience in the work, which he learned by following a neighbor around when he was younger. When he realized he didn't have any other options for bringing in income, he decided to begin working at what he had learned.

He also receives income for caring for a pine tree farm. Before he began to sell cattle, he was a farm day laborer. The farm he cares for is about 3km (1.8 miles) from his house, which he travels to on foot. He works in the field from 6am to 4pm.

The loan he is requesting will be used to purchase a pair of oxen and a heifer, which he will later resell. This will allow his family to meet the expenses for their basic needs and allow them to keep improving their overall situation a little at a time.

He plans to keep working with the foundation that continues to support him, borrowing greater amounts. With future loans, he hopes to plaster his home since it is made of adobe and isn't particularly secure. With future income, he wants to invest in purchasing more animals and putting them up for sale. He would like to have a good marketplace where he can buy and sell. He says that he can achieve all this by committing himself to redoubling his efforts, regardless of how early or late he has to work, and by not limiting himself to just one thing.
View original language description ↓
José de 29 años de edad, es persona trabajadora, luchadora y responsable, todo con el fin de darle una mejor condición de vida a su familia es decir, alimentación, vestuario, vivienda y salud; él se levanta a las 4 y 30 de la mañana; ya que trabaja cuidando una finca de árboles de pino y debe caminar 45 minutos hasta llegar al lugar, dos días por semana sale a buscar bovinos para comprar y en la próxima semana salir a venderlos, para ello tiene que recorrer grandes distancias.

él antes era padre soltero; pero se volvió a acompañar. Su compañera de vida se dedica únicamente a los trabajos domésticos, a estar pendiente de sus dos pequeños. A parte de su compañera de vida y sus hijos con él vive su mamá, quien ayuda a realizar los oficios hogareños.

Él se dedica a comerciar ganado bovino en el municipio donde reside y en sus alrededores. Tiene cuatro años de ser comerciante; el trabajo lo aprendió ya que cuando era más joven le gustaba salir con un amigo vecino a realizar el mismo trabajo, y al ver que no tenía otra actividad que le generara ingresos opto por dedicarse a este negocio.

También recibe ingresos pues cuida una finca de árboles de pino, antes de ser comerciante se dedicaba a hacer jornales agrícolas. La finca que cuida está a unos 3 kilómetros aproximados desde su vivienda los cuales los recorre a pie, su horario en la finca es de 6:00 am a 4:00 pm.

El préstamo que esta solicitando es, para comprar una yunta de bueyes y una ternera los que posteriormente pondrá a la venta. Y con ello ayudar a su familia para cubrir las necesidades más básicas; será satisfecha la necesidad de ir superándose poco a poco en todos los ámbitos de la vida,

Él lo que tiene planificado, es seguir trabajando con la fundación que le sigan apoyando y obtener un monto mayor y repellar su casa ya que es de adobe y no es del todo segura. Las ganancias las pretende invertir, en comprar más animales y luego ponerlos a la venta, tener en un futuro un buen mercado donde comprar y vender bien. Dice que puede lograrlo si se empeña si duplica sus esfuerzos; lo puede lograr no importando la hora de salida del trabajo y no acomodándose solo a una cosa.

Previous Loan Details

José is 28 years old, he is a single father and has one son. For the past 12 years he has made a living working as a day laborer as well as managing land that is owned by a doctor and is close to his community. He also buys and resells cattle. He has a foal and a pair of oxen, which he uses to… More from José Isidro's previous loan »

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.

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.

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About El Salvador

  • $4,900
    Average annual income
  • 431
    View loans »
    El Salvador Loans Fundraising
  • $22,757,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped José Isidro purchase a yoke of oxen and a heifer calf.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 20, 2013
Listed
Aug 28, 2013
Currency Exchange Loss:
N/A
Ended:
May 22, 2014