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Bernardina
Bernardina is 53 years old and the mother of six grown children. She married when she was 18 and is still together with her husband to this day. Together they have worked very hard so their kids could get ahead. Four of them are married and have their own families. She now lives with her husband and only two of their children who work and help around the house.

Her children have all graduated from high school and she has not continued supporting them with university studies because she doesn't have the money. Bernarda did not go to school because her parents didn't want to send her or her five other siblings. She has been working at making hammocks since the age of 20. She went to a workshop in her town where she learned, and over time she has perfected the art. She used to make the hammocks from husks, but now she uses silk and poly silk. She makes 5 or 6 hammocks per month and sells them in the city where she also buys the materials. It takes her 30 minutes to walk to where she catches the bus, and the ride into the city takes another 30 minutes.

She buys the materials to make the hammocks every 15 or 20 days and she makes them in the afternoon after finishing her household chores. Her children help her after they return from working in agriculture.

The loan she is requesting from Fundacion Campo is to buy a box of silk yarn which costs $450 and she will use the rest for household expenses. With the loan, she will be able to make more hammocks and provide a better selection for her customers. In November and December demand increases because of the Christmas holidays.

Her dream is to continue working more each day so she can make and sell more hammocks. She also dreams of improving her house since the walls and floor are made of dirt. She will achieve this bit by bit with the earnings she hopes to make from the sale of her hammocks, and she is saving up for this.
View original language description ↓
Bernardina de 53 años de edad, es madre de 6 hijos todos ya mayores de edad, se caso a los 18 años de edad, con quien ha convivido hasta este día, juntos han trabajado muy fuerte para sacar adelante a sus hijos, cuatro de ellos ya se casaron y tienen sus propias familias. En la casa de habitación solo vive con su esposo y dos de sus hijos quienes trabajan y le ayudan a ella en el hogar.

Sus hijos todos son bachilleres y no ha seguido apoyándolos en los estudios universitarios, por falta de dinero.
Bernardina, no estudio pues sus padres no quisieron, enviarla a estudiar ni a sus otros cinco hermanos que ella tiene.


Ella se dedica desde los 20 años de edad, a la elaboración de hamacas, pues ella asistió a un taller en el municipio en donde aprendió y con el paso de los años ella ha ido perfeccionando el arte. Antes hacia hamacas de cascarilla, ahora hace hamacas de seda y de poliseda, elabora un promedio de 5 a 6 hamacas en el mes y las comercializa en la ciudad, donde también compra el material, esto le toma 30 minutos caminando hasta donde tiene que ir a tomar el bus y luego hace 30 minutos en el bus para llegar a la ciudad.

Compra cada 15 o 22 días el material para elaborar las hamacas. Se dedica hacer las hamacas después de los quehaceres del hogar, por las tardes, sus hijos también le ayudan cuando vienen de trabajar la agricultura.


El préstamo que esta solicitando a Fundación Campo, es para comprar una caja de hilo de seda, el cual esta valorada en $450 y el resto para otros gastos del hogar. Con ello, podrá elaborar mas hamacas y tendrá mas ofertas para los clientes, pues en la temporada de noviembre y diciembre hay mas demanda por la época navideña.


El sueño, es seguir trabajando cada día mas, para elaborar mas hamacas y poder vender mas.
Ademas sueña mejorar su vivienda, ya que las paredes y el piso es de tierra, esto lo lograra poco a poco mediante las ganancias que espera percibir de las ventas de las hamacas, esta ahorrando para ello.

Additional Information

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 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
  • 575
    View loans »
    El Salvador Loans Fundraising
  • $23,939,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Bernardina to buy a box of silk yarn which is valued at $450, and she will use the rest for other household expenses.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 11, 2013
Listed
Oct 16, 2013
Currency Exchange Loss:
N/A
Ended:
Aug 17, 2014