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Joel Manaen
Joel is 24 years old. He went to school up to the eighth grade, and his wife takes care of the home. They have a one year old daughter.

Joel works in agriculture. He grows basic grains such as corn and beans and has done this activity for 3 years. He learned this work because his father taught it to him. When he saw the economic situation, he decided to work in agriculture. Before this, he was a mechanic. His crops are 2 km from his house and it takes 30 minutes to walk there. His wife helps him do this activity as well as some of his siblings. His work schedule isn't regular and he works mornings and afternoons.

He will use the loan to buy fertilizer and to pay people to help him do the work. The loan will help him have more production of basic grains and a bigger harvest. He needs to apply what he needs for more growth and a higher yield.

He hopes to have a better quality of life, a worthy home for his family, and for his children to be upright people, like he is. He wants them to be able to go to college and have good careers. This will help him have more food supplies for the dry season and he will sue his earnings to improve his home and repair the roof on his house.
View original language description ↓
Joel de 24 años, estudio hasta octavo grado, es casado y su esposa se dedica a los oficios domésticos. Ellos solo tienen una niña de 1 año de edad.

Joel se dedica a la agricultura, a la siembra de granos básicos maíz y frijol, se ha dedicado a esta actividad desde hace 3 años, el trabajo lo aprendió porque su papá se lo enseño. Viendo la situación económica que pasaba decidió dedicarse a la agricultura y antes de dedicarse a esta actividad era mecánico, la distancia de su vivienda al lugar de cultivo es de 2 km y se tarda 30 minutos caminando, de su casa al lugar de cultivo, para el desarrollo de la actividad agrícola su esposa lo apoya en el trabajo y algunos de sus hermanos que le ayudan, el horario de trabajo no es estable él trabaja por la mañana y por la tarde.

El crédito lo utilizara para la comprar abono, fertilizantes y pago de personas que le ayudan a realizar su trabajo. El crédito le ayudara a tener una mayor producción de granos básicos y a una mayor recolección de la cosecha y su necesidad que tiene es aplicarle al cultivo los requerimientos para un mayor desarrollo y producción

Espera tener una mejor calidad de vida, una vivienda digna para su familia y que sus hijos sean personas de bien como lo es él y que puedan estudiar una carrea universitaria y sean profesionales. Le ayudara a tener más suministros de alimento para la época seca y sus ganancias las utilizara para mejorar su vivienda, ampliarla y reparar el techo de su vivienda.

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

  • $7,500
    Average annual income
  • 714
    View loans »
    El Salvador Loans Fundraising
  • $27,111,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,000 helped Joel Manaen to buy fertilizer and to pay people to help him do his work.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Oct 5, 2013
Oct 10, 2013
Currency Exchange Loss:
Nov 9, 2013