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José Ernesto
José, 56 years old, is a working man. He gets up every day at 4 a.m. to milk his cows and get the milk on time, and so that his grandchildren eat breakfast before going to school. He says this with emotion since his father did the same with him and his brothers.

He studied until the 4th grade in primary school since in his community it was the highest grade available. His wife is his unconditional help. She makes a living working hard at home to prepare the products derived from the milk and sell them.

José has been a farmer for as long as he can remember. He worked the earth at his father’s and his three brothers’ sides, learning everything that he still knows today.

The loan will be used to purchase agricultural supplies: one sack of fertilizer, two of sulfate, one basket of pesticide, and two liters of foliar feed to cultivate four crops, among them pipián, yucca, and pumpkin.

In the future he thinks he will continue cultivating the earth, with the goal of providing sustenance to his family and supporting his two last children in their university studies.
View original language description ↓
José de 56 años, es un hombre de trabajo; se levanta todos los días a las 4 am. Para realizar el ordeño de sus vacas y llevar la leche a tiempo, para que sus nietos desayunen antes de irse a la escuela, esto lo comenta con sentimiento ya que su padre hacia lo mismo con él y sus hermanos.

Él estudio hasta 4° grado de educación básica, ya que en su comunidad era el grado máximo, su esposa es su ayuda incondicional, ella se dedica a realizar un arduo trabajo en la casa para preparar los productos derivados de la leche y así comercializarlos.

José es agricultor desde que lo recuerda, al lado de su padre y tres hermanos, trabajo la tierra aprendiendo todo lo que hasta hoy en día conoce.

El préstamo será utilizado, para la compra de insumos agrícolas: un saco de fórmula, dos de sulfato, una caneca de pesticida y dos litros de foliar, para cultivar 4 tareas de cultivo entre pipián, yuca y ayote.

En el futuro piensa seguir cultivando la tierra, con el fin de dar el sustento a su familia y apoyar a sus 2 últimos hijos con sus estudios universitarios.

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
  • 762
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped José Ernesto to purchase agricultural supplies: one sack of fertilizer, two of sulfate, one basket of pesticide, and two liters of foliar feed to cultivate four crops, among them pipián, yucca, and pumpkin.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Sep 20, 2013
Oct 22, 2013
Currency Exchange Loss:
May 22, 2014