Update on Vilma AracelyVilma, 39, studied up to second grade because her family didn't have the financial resources and the school was very far from her house. She's married and her companion sells snow cones on a bicycle. Their children live with them.
Vilma has sold traditional dishes for six years because she needs to support her family. First she began selling snow cones. A friend told her that selling snow cones was good and taught her how to make the syrup and how she should make sales. These days it's her husband who's responsible for sales while she prepares the food. Vilma also sells tamales, tostadas, savory pies, pupusas, and other things.
Nothing stops this woman from working and getting her family ahead. Her work day starts at 5 a.m., when she makes the snow cones. Then she goes out to sell tamales and traditional dishes in the nearby communities. She has to walk four hours by the time she finishes her sales.
She'll use part of the loan she's requesting on her business and the rest to build a room for her children. She's going to buy 700 bricks, 3 quintals of rebar, 20 bags of cement, sand, and stone.
Vilma dreams of being able to buy another plot of land to give each child a place to build a house. She also would like to improve her home, buy another bicycle so her son can make sales, and work hard to pay back this loan.
Ella se dedica a la venta de platos típicos desde hace 6 años, pues la necesidad de mantener a su familia la ha llevado a realizar esta actividad. Primero, ella comenzó a vender minutas, una amiga le comentó que la venta de minutas era buena y le enseñó como se hacia el jarabe y como debía vender, hoy en día es su esposo quien se encarga de la venta de minutas y ella le prepara los materiales que se utilizan, además Vilma vende tamales, tostadas, pasteles, pupusas y más, de modo que no hay nada que detenga a esta señora para trabajar y para sacar adelante a su familia.
su jornada de trabajo comienza a las 5:00 AM para preparar la venta de minutas, luego sale a vender tamales y platillos típicos en los caseríos cercanos, para lo cual debe caminar aproximadamente 4 horas para terminar su venta.
El préstamo que ella solicita, será utilizado una parte en el negocio y otra para construir un cuarto para sus hijos, comprará 700 ladrillos, 3 quintales de hierro, 20 bolsas de cemento, arena y piedra.
Vilma sueña con poder comprar otro solar para dejarles a cada hijo un espacio y que construyan sus casas, también le gustaría mejorar su vivienda, comprar otra bicicleta para que venda su hijo y con la ganancia de sus negocios y conesfuerzo espera pagar este crédito
Previous Loan DetailsVilma is 37 years old. She lives with her partner and two children who work. She is a hard working woman who for the last five years has made a living making and selling shaved ice snacks. Her parents have always been hard working business people who work with the Fundación Campo. Thanks to her p... More from Vilma Aracely's previous loan »
About CrediCampoThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
Loan tags help lenders find loans that match certain areas of interest. You can add up to 5 tags for this loan.
About El Salvador
441View loans »
This loan has been fully funded!
- Repayment Term
- 27 months (Additional Information)
- Repayment Schedule
- Jan 31, 2014
- Feb 28, 2014
- Currency Exchange Loss:
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.