He has been working in agriculture for 18 years, he learnt everything he knows from his parents who were coffee producers. He also worked making bricks, but when he realized that he would earn more in agriculture he decided to become a farmer. His partner works with poultry for laying and fattening, contributing in that way to the family's income. José works seven hours a day with his cultivations, he walks half a kilometer to reach the place. He also takes care of a friend's house for which he receives 50 USD every two weeks.
He will use the loan to buy fertilizers for the beans that he will cultivate. He will also pay for workforce to harvest corn. José plans to repair the fence around his piece of land and then buy livestock, thus obtaining more income. He says that he wants to use the profit from selling grains to help his wife improve the chicken pens where she keeps her poultry, in order to prevent them from getting wet since this causes them to feel stressed, which leads to low yields and thus low profitability.
Tiene 18 años de trabajar como agricultor, aprendió todo lo que sabe con sus padres que eran productores de café. Trabajo también fabricando ladrillos de barro, pero al ver mejores frutos en la actividad agrícola decidió hacerse agricultor. La señora se decida a la explotación de aves ponedoras y pollos de engorde y así contribuye a los ingresos familiares. José dedica 7 horas de trabajo a su cultivo, camina medio kilometro para llegar al lugar. También cuida una casa de un amigo y recibe un pago de 50 dólares cada quince días.
El préstamo será utilizado en la compra de fertilizantes para el cultivo y la compra de fertilizante foliar para regar en el cultivo de frijol que sembrara. Además pagara mano de obra para la recolección de la cosecha de maíz.
José pretende reparar los cercos de su terreno y en seguida comprar ganado y obtener de ahí otros ingresos, por otra parte dice que con las ganancias de la venta de los granos, quiere ayudar a su esposa a mejorar las galeras donde tienes sus pollos, evitar que se mojen ya que esto le causa estrés al animal lo que se traduce en bajos rendimiento y por ende baja rentabilidad.
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 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.
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