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José Santos
José, age 45, did not go to school because of financial reasons. Instead, he devoted himself to agricultural work. He is married, and he and his wife have four children. His wife does the household chores and cares for the domestic animals. His children also do agricultural work in the morning, and in the afternoon they go to school.

José has been doing this work for 30 years. Working in agriculture is how he earns a living for himself and his family. He learned this work when he was little. He has devoted himself to this work, which his father taught him.

He will use the loan to gather the corn and bean harvest. Cars cannot enter the land where he has the corn and beans to transport the product. He will pay for labor, to collect the product, and to take it to his house. He pays $7 for the work when he prepares it. He will take the part left over to sell in the market. He pays $15 per trip.

In the future he plans to have the harvest from his land with the corn and beans. He will have food for his family for one year. He will sell what is leftover at the market in order to get income and recoup his expenses.
View original language description ↓
José de 45 años de edad, no estudio por motivos económicos y mejor se dedicó al trabajo de la agricultura, él es casado y tiene 4 hijos con su esposa; su esposa realiza los trabajos del hogar, y cuida animales domésticos, sus hijos también trabajan en la agricultura por la mañana y en la tarde estudian.

José tiene 30 años de dedicare a este trabajo, ya que él trabajo de la agricultura es como él se gana la vida, de él y también la de su familia, él aprendió este trabajo ya que desde pequeño se ha dedicado a este trabajo y su padre le enseño.

El préstamo lo utilizara, para la recolección de la cosecha de granos básicos de maíz y frijol; ya que el lugar donde él hace la parcela de maíz y de frijol no entra carro, para transportar el producto; ya que el paga mano de obra, para sacar el producto y llevarlo hasta su casa, él paga la tarea a $ 7 dólares ya cuando él lo prepara lleva la pate que le sobra para, venderla en el mercado y paga $15 dólares por viaje.

En el futuro planea tener la cosecha que obtuvo, de la parcela de maíz y de frijol. Tener alimento para su familia un año, el resto que le sobre ponerlo a la venta en el mercado, para obtener sus ingresos y sacar los gastos de inversión.

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.

Tags

About El Salvador

  • $4,900
    Average annual income
  • 605
    View loans »
    El Salvador Loans Fundraising
  • $23,544,725
    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 José Santos to pay to gather the corn and bean harvest.
92% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Oct 31, 2013
Listed
Dec 2, 2013
Currency Exchange Loss:
N/A