Update on Celia IvethCelia is 21 years old and lives with her life’s partner at the lower end of the lake. Her husband is a fisherman and also farms corn with his father. Celia sells the fresh fish that her husband fishes and she also cares for her four year old son.
She only has a fourth grade education and then went to live with her aunt when she was 14. She studied at the cosmetology school and married at age 17.
Celia has a fresh fish business on the edge of the lake, in partnership with her mother in law, and they sell to the tourists and visitors. She already manages a Kiva loan and uses it for a food business in her home, but she is not working it at the moment because of her pregnancy. She has been in business since she went to live where her aunt was and learned from her and this has been very helpful for her. This helps her cover her household expenses because the income from fish sales is not enough.
She is asking for a loan through Fundación Campo to buy building materials to build a separate house, across from her mother in law’s. She is trying to keep from bothering her when the baby is born. It will be a humble home for the time being, because one can’t be too comfortable at the lower part of the lake due to the level rising and the homes flooding during the winter.
She wants to manage her loans responsibly. Her mother in law is helping her repay the first one and her husband will help her with this one. She also wants to be set up for when her children are grown, so she can build a better house in a safe area so that they don’t have to make any emergency exits because of floods. She wants the children to attend school and give them the best always.
Ella, solo estudio 4to grado en la escuela , luego se fue a vivir con una tía, cuando tenia 14 años de edad estudio un curso técnico de cosmetología y de 17 años se acompaño.
Celia posee un negocio de pescado fresco a la orilla de la laguna, junto con su suegra que le venden a los visitantes y turistas ella ya maneja un préstamo KIVA que lo ocupo para un negocio de meriendas en su casa; pero ya no lo maneja por su estado de embarazo, la cliente se a dedicado a actividades de comercio desde que se vino para donde su tía y lo aprendió de ella. Ahora le sirve de mucho comenta. Con esto ayudo a cubrir los gastos de la casa ya que solo de la pesca no alcanza.
El préstamo que esta solicitando a Fundación Campo, es para comprar materiales, para construir una habitación a parte, enfrente de la casa de su suegra. Lo que pretende es evitar causar molestias ,cuando nazca el bebé. Sera algo humilde la habitación por ahora , ya que en la parte baja de la laguna, no se puede estar tan cómodos porque cuando los inviernos son copiosos el nivel de la laguna sube e inunda las casas de la orilla y hay que salir deprisa.
Sus deseos, son manejar bien los dos prestamos de forma responsable, del primero la suegra le ayuda con las cuotas y de este con su trabajo mas lo que gana su compañero de vida en la pesca. También, desea estabilizarse para cuando crezcan sus hijos construir una casa mejor en una zona segura que no se duerma con el temor de hay que salir de emergencia por alguna inundación, que estudien los niños y darles lo necesario siempre.
Previous Loan DetailsCelia is 20 years old and lives with her life partner, who is a local fisherman, and her son in her mother-in-law house at the shore of a lagoon. Celia sells fresh fish that her husband and other fishermen fish at the lagoon. In addition to the fish, she sells candy, chips, breads and drinks. ... More from Celia Iveth's previous loan »
More information about this loan
This loan is designed for rural women in El Salvador. Loan amounts are much smaller than average and the field partner is not requiring any guarantee for this type of loan. The goal is to support businesses that will enable women to work from their homes or start flexible businesses, as many of them are single mothers and are the sole caretakers for their families. Women who receive this type of loan also receive training on entrepreneurship, business management and budgeting.
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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