Update on Karina RosmeryKarina, 19, is married and is expecting her first child. She is six months pregnant and got married seven months ago in the community. She went to school though second grade of primary school. She moved to the community where she lives now and because of the distance, she couldn't finish school.
Her husband works in construction. He goes to other towns to work and then returns on the weekends. With both of their efforts, they were able to build their own home.
Karina has been making silk and poly-silk hammocks for thirteen years. She learned from her mother, who has done this work for 25 years. She helped her mom and this is how she started her business. Also, because of their care and efforts, they have been able to buy milled nixtamal to grind corn for the people in the community, which will generate additional income.
She is requesting this loan to buy a 100 lb. box of silk thread that costs $450.00. The rest of the money will be used to buy hammock handles to make hammocks. With this investment, she hopes to increase hammock production. The earnings from this will help to support her family.
She sells hammocks in the city every 15 days. On occasion, her mom helps her sell the hammocks. She hopes to continue working hard to raise her future child and improve her home over time.
Su esposo trabaja en la albañilería, y sale a trabajar a otros municipios, regresa a casa los fines de semana. Con el esfuerzo de ambos han podido construir su propia casa.
Karina, se dedica desde hace trece años a la elaboración de hamacas (seda y poliseda), aprendió gracias a su madre que se dedica al negocio de la elaboración y venta de hamacas desde hace mas de 25 años.
Ella le ayudaba a la mamá y fue así como se fue incursionando en el negocio. También gracias a su esfuerzo y esmero ahora también han comprado un molino nixtamal para moler el maíz a las personas de la comunidad, lo cual le genera otros ingresos económicos.
El préstamo que esta solicitando, es para comprar una caja de hilo de seda la cual trae 100 lbs y tiene un costo de $450.00 el resto del dinero lo necesita para la compra de los manguillos para elaborar las hamacas. Con la inversión, espera mayor producción de hamacas, lo que incrementaran las ganancias para el sostén de la familia.
Ella vende las hamacas en la ciudad, cada 15 días, en ocasiones le ayuda a vender las hamacas su madre quien siempre trabaja con ella. Desea, continuar trabajando fuerte, para crecer a su futuro hijo y con el tiempo mejorar su vivienda.
Previous Loan DetailsKarina, 18, is single and lives with her mother. She has been making hammocks since she was 7 years old. Her mother taught her this trade so that she could earn a living. Previously, Karina devoted her time to studying, but now she has completed her basic education and wants to work making… More from Karina Rosmery'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 El Salvador
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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Sep 2, 2013
- Sep 14, 2013
- Currency Exchange Loss:
- Sep 17, 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.