San Felipe Xi Group
Juan Carlos is married. He has three children between the ages of 7 and 16; all three currently attend school. He studied up to the first year of middle school. He had to work from an early age to help support the family because he was from a low-income family.
Juan Carlos has 24 years of experience growing corn, beans, millet, and citrus, which allowed him to work with his parents. Currently this is what has helped him support his family.
Juan Carlos needs the loan to buy inputs so he can plant and take care of his basic grains crops as well as his citrus. He hopes to generate the income he needs to keep on giving his children an education so they can have better opportunities in life and he can achieve his dream of seeing them become professionals.
Juan Carlos esta acompañado, estudio hasta primer año de educacion media, ya que por ser parte de una familia de escasos recursos tuvo que trabajar desde muy joven para ayudar al sostenimiento familiar,tiene 3 hijos entre las edades de 7 y 16 años, los 3 estudian actualmente.
Juan Carlos tiene 24 años de experiencia en los cultivos de maiz,frijol,maicillo, y citricos, actividad que le permitio en su momento colaborar con sus padres y en la actualidad esto es lo que le ha ayudado al sostenimiento de su grupo familiar.
Juan carlos necesita el credito para la compra de insumos que le permitan la siembra y manejo de los cultivos de granos basicos asi como de citricos, pues el espera que estos le generen los ingresos necesarios para seguir brindando a sus hijos el estudio que les permita tener mejores oportunidades en la vida y asi cumplir su sueño de verlos realizarce como profesionales.
More information about this loan
About CONFRASCONFRAS is a Confederation of Federations for Agrarian Reform in El Salvador founded in the 1980s. It was born out of the need to further land reform efforts following the Salvadoran civil war in 1979-1992. CONFRAS represents 107 cooperatives with a total membership of approximately 4,000 farmers.
CONFRAS offers its member cooperatives access to financing through a program called PROCAMPO (Agricultural Loan Program for Organization, Women and Production), which is administered by ACAF (Savings and Loan Cooperative “La Fuente”). Loan recipients receive training on personal finances, understanding microcredit and budgeting in addition to the agricultural technical assistance. Kiva lenders’ funds are used to help CONFRAS expand its loan portfolio within the PROCAMPO program and impact more Salvadoran farmers who are otherwise excluded from most MFIs.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
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