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María Elena
Maria, 51, who left school after the second grade, has a daughter who is studying for her baccalaureate. She's a single mother and lives with her daughter, her mother, her sister and her aunt. They're a strong family who work hard to make better lives for themselves.
Maria worked as a cleaner in the city for two years. She also makes hammocks from cascarilla and silk. She started making and selling hammocks--a skill she learned from her parents--when she was only 10 years old. She still makes them and sells some to order and some for sale in the market. She has a farming and animal-sales business, as well.
Maria walks to the city every 15 or 22 days to buy what she needs for her hammock business. It's a 30-minute walk along busy streets, but that's where she has to go to buy the supplies she needs. She sells her products from her house. She works every day of the week, starting with household chores (cooking, cleaning) and then moving on to making hammocks. Her sister and her daughter help her with the business.
Maria is applying for a loan that she will use to improve her house and buy supplies for her business. The walls are in bad shape and she will use $700 of the loan to buy materials--siding, tiles, wood, etc--and pay for labor. She will use the remaining $300 to buy materials for her hammock-making business, supplies she will need to meet the demand for her hammocks at Christmas. The investment will give her a decent and safe place to live and supplies to carry on her business.
For the future, Maria wants to save enough money to buy an adobe house. She also wants to continue providing for her family and ensure that her daughter can continue to study and get ahead in the world.
View original language description ↓
María de 51 años, estudio hasta segundo grado del nivel básico, en la comunidad, madre soltera de una joven que hoy en día estudia bachillerato (nivel medio). En su casa vive con su madre, su hija, su hermana y una tía, son una familia muy unida que trabajan juntos por una mejor calidad de vida.
Trabajo durante dos años en la ciudad de empleada doméstica en un hogar. Además, ha trabajado siempre la agricultura y la jarcia (elaboración de hamacas) de cascarilla y de seda.
Trabaja tejiendo hamacas de cascarilla desde los 10 años de edad, sus padres le enseñaron el arte, desde entonces siempre ha trabajado tejiendo las hamacas propias y a particulares para comercializarlas.
También trabaja la agricultura y la crianza de especies menores. Ella compra los materiales en la ciudad cada 15 o 22 días. Camina durante 30 minutos por caminos y veredas, para llegar al local donde le venden la materia prima.
Sus productos los vende en su casa, pues ahí le llega a comprar las hamacas, trabaja todos los días de la semana; después de hacer los oficios del hogar (lavar ropa, hacer la comida) inicia a elaborar las hamacas. Le ayudan su hermana y su hija a hilar y a tejer las hamacas.
Solicita en crédito, para mejorar su vivienda, la cual tiene algunas paredes en mal estado, para ello pretende comprar lamina para las paredes de la casa, teja y madera, además de cancelar la mano de obra, invertirá $700.00 y los $300.00 restantes comprara más material para hacer hamacas, ya que está por llegar la temporada navideña y hay mayor demanda de las hamacas.
Con ello pretende mejorar su vivienda y tener una mejora calidad de vida, pues estará en mejores condiciones y de seguridad a la vez, contara con más productos para la venta de hamacas.
El sueño de María, es ahorrar de las ganancias que va obteniendo y hacer su casa de adobe, también lucha cada día para darle el sostenimiento a la familia y que su hija siga esmerándose por salir adelante en los estudios.

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.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

Tags

About El Salvador

  • $4,900
    Average annual income
  • 699
    View loans »
    El Salvador Loans Fundraising
  • $24,316,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped María Elena to improve her house and buy supplies for her hammock-making business.
70% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 30, 2013
Listed
Nov 6, 2013
Currency Exchange Loss:
N/A