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Haydee is a 51-year old woman who could only attend school until second grade. Her family was in a difficult situation of poverty and she had to quit her studies and work to help her parents. She is married and her husband works in agriculture. Her only daughter, who is already an adult, does not live with them. They only have each other.

She works in retail and has a small stand in the market, where she sells clothes. She has 15 years of experience in the business after starting out with her aunt for some time. She performed other activities before, such as cooking and sewing, with which she obtained income. She works 15 km away from her house and needs to wake up very early. She leaves at 5am in the morning so that she can be at the stand at 5.50am, from Monday to Saturday.

She is requesting a loan to buy clothes for her business, so that she can make the most of the Christmas season. There is more demand of clothes at this time of year, which would generate more income for her family. She would also like to have a permanent stand to sell. Her current one changes and moves periodically, which makes it more difficult to have loyal clients. She also wants her business to be well stocked.
View original language description ↓
Haydee de 51 años, solo pudo cursar segundo grado de educación básica, comenta que no pudo seguir estudiando por que su familia estaba en una situación difícil por la pobreza en que vivían, teniendo que en vez de estudiar, trabajar para ayudar a sus padres. Esta casada y su esposo se dedica a las labores agrícolas. Su única hija, ya es mayor de edad y no vive con ellos. Solo se tienen el uno al otro.

Ella trabaja en el comercio, tiene un pequeño puesto de venta de ropa en el mercado, tiene 15 años de experiencia en el negocio, se dedico a esta actividad gracias a su tía, con ella trabajo durante un tiempo.

Anteriormente realizo otro tipo de actividades, costura y cocina, donde obtenía ingresos.
El lugar de trabajo esta a 15 km. de su casa, lo que le hace madrugar para estar luego en el negocio. Se va a las 5 de la mañana para estar 10 minutos a las 6 a.m. en el puesto de venta de lunes a sábado.

El préstamo que esta solicitando, es para surtir el negocio(venta de ropa), aprovechar la época navideña, donde hay mas demanda de ropa, el cual le generaría mejores ingresos para su familia.

Haydee desea tener un puesto fijo donde vender, ya que en el actual tiene muchas variaciones y se mueve periódicamente, lo que le limita fidelizar clientes, por las rotaciones de puesto y que su negocio este bien surtido de productos.

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

  • $7,500
    Average annual income
  • 719
    View loans »
    El Salvador Loans Fundraising
  • $27,130,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Haydee to stock her business of clothing sales and to make the most of the Christmas season, when there is higher demand and bigger potential to generate more income for her family.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 30, 2013
Nov 11, 2013
Currency Exchange Loss:
Nov 20, 2014