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Yanira Del Carmen
Yanira is 33 years old. She is separated from her husband and has two children who live with her. One goes to school and the other has special needs. No one else lives with them and only the two children depend on her income. She studied up to Grade 6.

She works in a house as a domestic. She has been working for the same employer for the past 4 years so she feels confident of keeping her employment. She has no other economic activity. She travels 3 km to get to work and her hours are from 7am to 2 pm.

The loan Yanira is requesting is to purchase laminate to replace the laminate that is on the roof of her house. It is in poor shape and when it rains the water seeps through into the house. It needs to be improved so that the living conditions in the house are acceptable. Her dream is to be able to continue her work in the house she works in and doing this make more income.
View original language description ↓
Yanira de 33 años de edad, estudio hasta sexto grado, estuvo acompañada pero se separaron con su pareja, tiene dos hijos los que viven con ella, solo uno va a la escuela ya que el otro es un niño especial, nadie más vive con ellos, por lo que solo sus hijos dependen de sus ingresos.

Ella trabaja en una casa haciendo todo el trabajo doméstico, ya tiene cuatro años de trabajar con la misma empleadora, por lo que ya le tomo la confianza necesaria para conservarla en su trabajo, no tiene más actividades económicas que realizar, la distancia que recorre es de unos 3 km diarios, el horario de trabajo es de 7 am a 2 pm.

El préstamo será invertido para comprar lámina y cambiar la que tiene el techo de su casa ya que se encuentra deteriorada y cuando llueve penetra el agua a la casa, lo va a mejorar porque está en mal estado, la necesidad satisfecha será el poder tener mejores condiciones en su hogar.

Los sueños que tiene es poder seguir trabajando como empleado en la casa donde trabaja y con eso tener mejores ingresos, con lo que se da a conocer cada vez más.

Additional Information

More information about this loan

This loan is designed for rural women in El Salvador. Loan amounts are much smaller than average and the field partner is not requiring any guarantee for this type of loan. The goal is to support businesses that will enable women to work from their homes or start flexible businesses, as many of them are single mothers and are the sole caretakers for their families. Women who receive this type of loan also receive training on entrepreneurship, business management and budgeting.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About El Salvador

  • $4,900
    Average annual income
  • 656
    View loans »
    El Salvador Loans Fundraising
  • $22,073,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $325 helped Yanira Del Carmen to buy laminate to replace the laminate on her roof.
84% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 14, 2014
Apr 2, 2014
Currency Exchange Loss: