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José Neftali
José is 54 years old. He was able to study until the third grade, since in that time, due to lack of economic resources, it was difficult for his family to offer him the education he should have had. At the age of 18 he met the woman who is now his wife. They have four children, of which three are in primary school and the fourth is in secondary school.

José has 41 years of experience working in agriculture and aquaculture. He learned from his grandfather, who raised him and who did this same work. Now this is José's main source of income, with which he supports his family. Two of his children join him in this work; he is teaching them so that they can manage the family business in the future. His children help him when they have finished their homework.

The loan he is requesting now will be used for agricultural work, to buy seeds and fertilizers to grow corn, which he tends using an irrigation system. He will also use the loan to improve his house, as winter is coming and the roof has some damaged areas. And he will also invest the loan in the purchase of concentrated fish feed.

His future plans are mainly to support his children's education until they graduate from university, to improve and grow his fish farming, and to diversify his agricultural crops. He will achieve all this through efficient use of his profits and good administration of a new loan.
View original language description ↓
José tiene 54 años de edad, logró estudiar hasta tercer grado ya que en aquellos tiempos era difícil para su familia brindarle la educacón debido a la falta de recursos económicos, a la edad de 18 años conoció a la que ahora es su eposa, tiene 4 hijos, de los cuales 3 se encuentran estudiando educación básica y el otro hijo estudia bachillerato.

José tiene una experiencia de 41 años trabajando en la agricultura y acuicultura ya que la aprendió de su abuelo con quien se crió y que también se dedicaba a la misma actividad, hoy en día este trabajo es la principal fuente de ingresos de José con la cual mantiene a su familia. A esta actividad se suman sus dos hijos a quienes les está enseñando para que ellos sean los que manejen el negocio de la familia en un futuro, sus hijos le ayudan a trabajar cuando ya han terminado de realizar sus tareas estudiantiles.

El crédito que está solicitando será utilizado para el trabajo agrícola, para comprar semillas y fertilizantes para el cultivo de maíz que mantiene con un sistema de riego, además lo utilizará para mejorar la vivienda, ya que se acerca la época de invierno y el techo de su casa tiene algunas áreas dañadas, y también invertirá para comprar concentrado para peces.

Los planes que él tiene a futuro, principalmente son apoyar la educación de sus hijos hasta que se gradúen de la universidad, mejorar y ampliar su cultivo de peces y tener una diversificación de cultivos agrícolas, y todo esto, lo logrará con el uso eficiente de las ganancias y la buena administración de un nuevo crédito.

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

  • $7,500
    Average annual income
  • 715
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,600 helped José Neftali to buy seeds and fertilizers for growing corn, to improve the roof of his house, and to buy concentrated fish feed.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Feb 14, 2014
Listed
Mar 5, 2014
Currency Exchange Loss:
N/A
Ended:
Jun 17, 2014