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José Raymundo
José, 34, only has a basic education. He is married and his wife is a homemaker and cares for the children. José currently works as a truck and urban bus driver. He also grows corn on a half acre of land for family consumption and takes care of two cows. His children are small and the eldest is the only one who goes to school. The second will begin elementary next year.

José will be starting the sugar harvest season and will be driving a trailer taking sugar from the factory to the distribution centers. He has been involved in this work for 16 consecutive years so he has much experience; but this work only lasts around six months in the summer or until the sugar cane harvest in the eastern part of the country is over. After that, José works as an urban public transportation driver in the city. He was given the opportunity 20 years ago to learn how to drive buses and trucks so now that is the main source of income for the family. His workplace is 4 kilometers from home so he must get up very early in the morning to go to work.

He will use the loan to buy a pick up truck to sell fruits and vegetables after the harvest season. He prefers not to work with buses now because of the high crime rate in this sector now. He plans to go into the new business because he is familiar with it and it will be a good way to provide for his family.

The idea is to have a safe, stable, profitable job after the sugar cane season; because as long as he is working on the harvest he earns a good income with no problems. He even earns double pay for overtime. When the harvest is over he can buy and sell fruits and vegetables to improve his family's living conditions, improve the house, give his children an education and resolve the problem without limitations.
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José de 34 años de edad, estudio solo el nivel inferior de educación básica. Esta acompañado, su esposa solo se dedica al oficio domestico y cuida sus hijos. José actualmente trabaja como motorista de camiones y autobuses urbanos; también se dedica a la siembra de maíz, cultivo que realiza solo para consumo familiar siembra 0.5 ha de ese cultivo y cuidan dos vacas horras. Sus hijos están pequeños solo el mayor de ellos va a la escuela y el próximo año ira el otro a primer grado de básica.

José entrara a trabajar en la temporada de safra azucarera, como motorista de una rastra o trailer transportando azúcar desde la fabrica hasta las bodegas de distribución del ingenio. Este trabajo lo a realizado durante 16 años seguidos tiene amplia experiencia; pero este trabajo dura solo unos 6 meses aproximadamente solo en época de verano o hasta que se termina de cosechar toda la caña de azúcar cultivada en la zona oriental del país. Después de esto, José se dedica a trabajar como motorista del transporte publico urbano en la Ciudad, desde hace 20 años se le dio la oportunidad de aprender a conducir autobuses y camiones y ahora eso es su principal fuente de ingresos para él y su familia. El trabajo le queda a una distancia de 4 km de su casa, le toca salir en pick up en la madrugada hacia el lugar de trabajo.

Con el préstamo solicitado, complementara el dinero para comprar un pick up, que empleara para la venta de frutas y verduras después de la época de safra . Porque no quiere regresar a trabajar en autobuses ya que resulta muy peligroso ahora, por los niveles de delincuencia que azotan a este rubro y él planea entrar a este rubro dice que lo conoce y le parece una buena oportunidad para sacar adelante a su familia.

La idea es tener un trabajo seguro, estable y rentable luego de la temporada azucarera; porque mientras se trabaja ahí, no hay problema se gana bien y se trabaja horas extras y se las pagan al doble y al terminar la safra dedicarse a la compra/venta de frutas y verduras y así mejorar las condiciones de vida de él y su familia, mejorar la casa y que los hijos estudien y vivir de forma mas solvente sin limitaciones.

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.

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About El Salvador

  • $4,900
    Average annual income
  • 583
    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 $1,025 helped José Raymundo to buy a pick up truck to sell fruits and vegetables.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 15, 2013
Listed
Nov 25, 2013
Currency Exchange Loss:
N/A
Ended:
Apr 17, 2015