Update on Yessenia MabelYessenia, 28 did not go to school however she knows how to read and write a little bit.
She has a partner. Her husband works as a farmer (he grows corn, beans and sorghum) and her daughter goes to nursery school. They are the three that live in the house.
She takes care of the house, sometimes she helps her husband with the farming and sometimes she works in a nursery run by a cooperative in the area.
She is requesting a loan to replace the roof of her home since the current wood and tile has deteriorated.
She will buy tiles and wood and pay for the labor.
She dreams of having a job to help her husband with the expenses. She also wants her daughter to get ahead in her studies.
At the moment the money they get is for the family expenses and to pay for the loan.
Although she thinks that if it weren't for the loan, she would not have been able to do what she has done so far, which is improve the house little by little.
El préstamo que está solicitando es para ella le cambiara el techo a la vivienda, pues la madera y la teja que tiene ya está deteriorada. (Comprara teja, madera, y pagara mano de obra) sueña con tener un empleo para ayudar a su esposo en los gastos, también con que su hija salga adelante en su estudio, pues por el momento el dinero que obtienen es para el gasto de la familia y el pago del crédito. Aunque piensa que de no ser por el credito no podría hacer lo que hasta ahorita ha hecho con los crédito, como lo es mejorar la casa poco a poco
Previous Loan DetailsYessenia, 28, did not study but has learned with the literacy program. She is married, her husband works in agriculture and they have a daughter that goes to nursery school. She takes care of the home but on occasion she works in nurseries, which she does because in the area there is no other… More from Yessenia Mabel'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.
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.
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About El Salvador
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This loan has been fully funded!
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Mar 10, 2014
- Apr 12, 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.