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José Germán
José has worked in agriculture since he was quite young, coming from a large family who did the same. His family's economic situation was poor so he had to work to help his parents. He did not go to school and did not learn to read nor write. He married when he was 20 years old and along with his wife began to work for himself. This union produced four children and they formed their own family.

He grows vegetables on irrigated land in the summer. He has to get up quite early to do this as this plot is 10 kilometers from his house. He has to keep close watch on it, staying there all day and if possible in the night too, in order to protect it from infestations and animals that come at night. He grows his corn closer to his home, one kilometer away. As he has also managed to rent land, he has to start very early and sometimes work all day. He also has two of his sons who help him work part of the land.

José will use the loan to buy agricultural supplies to buy fertilizer and manure, to pay for labor and to prepare the land to cultivate 14,000 square meters of corn. He plans to care for corn more in order to produce a more plentiful harvest. He says that in the future he wants to finish building his house, continue working and help his sons get more loans to work the land and use the revenues to complete the house.
View original language description ↓
José, se a dedicado desde muy pequeño a la agricultura teniendo una familia bastante numerosa tenia que desempeñar esa labor, la condición económica de su familia, era bastante mala tenían que dedicase a trabajar y ayudar a sus padres y no logro ningún grado académico y no pudo lograr aprender a leer ni escribir.
A sus 20 años se caso y empezó a trabajar ya por su cuenta, en compañía de su esposa, de esta unión procrearon 4 hijos ya han formado su propia familia.

También se dedica al cultivo de hortalizas, las cuales las cultiva en épocas de verano en una zona de riego, para esta ultima actividad tiene que levantarse bastante temprano; ya que se encuentra a 10 kilómetros de su casa y tiene que estar muy pendiente de ella, quedándose todo el día si es posible en la noche para cuidarlos de las plagas y animales que llegan por las noches, para el cultivo del maíz lo hace mas cerca a un kilómetro de su casa; ya que a podido conseguir tierras rentando, para terminar temprano tiene que madrugar y en ocasiones hace el día completo, con el se involucran 2 de sus hijos quienes le ayudan a trabajar parte de las tierras

Los fondos del crédito serán utilizados para la compra de insumos agrícolas; abonos, fertilizantes, pago de mosos y para preparar la tierra para el cultivo de 14, 000 metros cuadrados de maíz, se espera favorecer mejor el cultivo de maíz y lograr al final de la cosecha una mayor producción.

Manifestó, que para un futuro espera terminar de construir su casa y seguir trabajando y ayudar en lo que pueda a sus hijos sacando créditos siempre para el trabajo y utilizando las ganancias para terminar la casa.

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

  • $4,900
    Average annual income
  • 445
    View loans »
    El Salvador Loans Fundraising
  • $22,757,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,000 helped José Germán to buy fertilizer and manure, to pay for labor and to prepare the land to cultivate 14,000 square meters of corn.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Aug 26, 2013
Listed
Sep 2, 2013
Currency Exchange Loss:
N/A
Expired:
Oct 2, 2013