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María Cristina
María is 27 years old. She was able to attend grade school through the fourth grade. She lives with her life partner who works in agricultural activities and as a laborer on a pig farm that is in her village. They have three children who live with them and currently only the oldest of the three is in school.

She has a small store in her home where she sells sweets, basic grains, soft drinks, and more items. She has been working in this activity for four years. She learned this activity without anyone teaching her, saying that “she has learned it along the way.” Previously she worked doing domestic work, but the necessity of having some sort of household earnings made her make the decision to begin her business. Besides selling from her house, on the weekends she sells enchiladas, toasted bananas, water, and soft drinks at the canton’s soccer field, taking the opportunity as people come to see the games taking place those days. At home she tends to the business from Monday through Friday and some weekend hours. A sister and a brother help with the business.

She needs the loan in order to supply the business. She needs to buy more products. She said that the little investment she already has is not enough to cover the great demand there is in the canton.

Having the loan, she will be able to take the opportunity through growing and diversifying the range of products that she can offer her customers, generating more income for her and her family.

She wants her business to become more productive in time, for her family to be able to maintain themselves from what the activity brings in and for her children to study and graduate from university.
View original language description ↓
María de 27 años, pudo cursar hasta cuarto grado de educación básica, esta acompañada y su pareja de vida se dedica a la actividades agrícolas y a trabajar como jornalero en una granja de cerdos, que hay en el caserío; los tres hijos que tienen viven con ellos y actualmente, solo el mayor de los tres esta estudiando.


Ella, tiene una pequeña tienda en su casa, donde vende: golosinas, granos básicos, refrescos, entre otros. Se dedica a esta actividad desde hace cuatro años, esta actividad la desarrolla sin haber tenido quien le enseñara, dice que “ha aprendido en el camino”, anteriormente solo se dedicaba a las labores domesticas; pero la necesidad de llevar de alguna forma ingresos al hogar la hizo tomar la decisión de iniciar el negocio. Ademas de vender en su casa, los fines de semana lleva a vender enchiladas, tostadas de plátano, agua en bolsa, refrescos a la cancha de fútbol del cantón, aprovechando la gente que se acerca a ver los partidos que se realizan esos días. En la casa atiende el negocio de lunes a viernes y algunas horas el fin de semana. Le ayuda una hermana y un hermano en el negocio.


Necesita el préstamo para surtir el negocio, necesita comprar mas productos, ella manifiesta que la pequeña inversión que ya tiene, no le da abasto para cubrir la gran demanda que hay en el cantón,.
Teniendo el crédito, podrá aprovechar la oportunidad que ve mediante el crecimiento y diversificación de la gama de productos que puede ofrecer a sus clientes , generándole mayores ingresos a ella y su familia.


Desea que su negocio sea productivo en el tiempo y que su familia pueda mantenerse de lo que genere esta actividad y que sus hijos puedan estudiar y lograr graduarse de estudios universitarios.

Additional Information

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.

Tags

About El Salvador

  • $4,900
    Average annual income
  • 659
    View loans »
    El Salvador Loans Fundraising
  • $22,066,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped María Cristina to buy more products in order to diversify the products that she offers in the store.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 17, 2013
Listed
Oct 27, 2013
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2014