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José Baltazar
José is 26 years old. He lives in town. He only studied until the 3rd grade. He is in a relationship and has a two year-old son. His life companion does domestic work for a living and only the three of them live in the house.

José is a young entrepreneur that has been in agriculture for a living for a short time. He learned this trade from his father who taught him to cultivate corn, watermelon and peppers, but today José only grows corn and watermelon. His place of work is 10 minutes from his home. He has a schedule of 6:00 AM to 12:00 PM but he is always tending to the cultivation of watermelon during the day.

The loan he needs is to pay to rent the land where he will cultivate watermelon, prepare the land, pay porters, to buy watermelon seeds and the fertilizer he will need to have a good production. José will cover this need with the help of the loan and he will be able to improve his quality of life through the income that he obtains.

His future plans are to improve watermelon production and have more customers to whom he can sell. With the income he also plans to improve his home to provide his family a secure place.

He knows that with his effort and work he will be able to meet his goals and to be a good example for his son.
View original language description ↓
José tiene 26 años de edad, vive en el cantón, solamente estudió hasta tercer grado, está acompañado y tiene un hijo de 2 años de edad, su compañera de vida se dedica al trabajo doméstico y solo ellos tres viven en casa.

José es un joven emprendedor que se dedica a la agricultura desde muy pequeño, lo aprendió de su padre quien le enseñó a cultivar maíz, sandia y chiles pero José actualmente solo se dedica a la siembra de maíz y sandia. El lugar de trabajo está a una distancia de 10 minutos de su casa, tiene un horario de 6:00 AM hasta 12:00 MD pero siempre está pendiente del cultivo de sandía durante todo el día.

El crédito lo necesita para el pago del alquiler del terreno donde cultivará sandias, preparar la tierra, para el pago de mozos, comprar las semillas de sandía y los fertilizantes que necesitará para lograr una buena producción, José cubrirá esta necesidad con la ayuda del crédito y podrá mejorar su calidad de vida mediante las ganancias que obtenga.

Sus planes a futuro son mejorar la producción de sandía y tener más clientes a quien venderles, además con las ganancias mejorar su casa para brindarle a su familia un lugar seguro.
Él sabe que con su trabajo y esfuerzo podrá cumplir sus metas y ser un buen ejemplo para su hijo.

Additional Information

More information about this loan

This loan is part of a project to help young men and women in El Salvador (under age 26) launch their own businesses. The field partner is reducing the guarantee for these individuals, who normally would not have access to loans due to their lack of experience. Unemployment for young people is high in El Salvador, a fact that motivates many of them to leave the country instead of searching for work. Aside from access to financing, clients will also be grouped together according to their business types to receive training from CrediCampo's social development unit, and to share advice and support with one another.

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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped José Baltazar to buy seeds and fertilizer and to pay to rent land and for manual labor to cultivate watermelon.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Feb 12, 2014
Feb 24, 2014
Currency Exchange Loss:
Aug 17, 2014