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Ricardo Hermogenes
Ricardo is 70 years old and studied up to Grade 1. He is the father of 5 children who through a lot of effort saw them through their schooling and graduation. Ricardo has been a farmer for 18 years. He learned this from his father and used it to provide an education for his children.

The loan he is requesting is to buy 3 calves which he will fatten and at the end if his loan term will sell to pay off the loan. In his way he will make money for his family. Ricardo dreams of improving his living conditions and that his labor produces more benefits. Then he can offer a better future for his grandchildren and children.
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Ricardo tiene 70 años de edad, es viudo, estudio hasta primer grado, es padre de 5 hijos los cuales con mucho esfuerzo Ricardo les dio estudio y los finalizaron.

Ricardo se dedica a la agricultura a los 18 años, para darles una educación a sus hijos él aprendió el trabajo de la agricultura de su padre.

El préstamo que esta solicitando, es para comprar 3 novillos de repasto, los cuales los engordara y al vencimiento de su préstamo los venderá para cancelar el crédito y así adquirir ganancias para los ingresos de sus familia.

Ricardo sueña con mejorar su condición de vida y que su trabajo le produzca mas beneficios y poder ofrecerle un futuro mejor a sus nietos e hijos.

Additional Information

More information about this loan

This loan is part of a CrediCampo project to help rural farmers living in extreme poverty plant basic grains to feed their families. Excess product is sold on the local market. These loans are smaller than the typical loans offered by this field partner, and guarantee requirements are also reduced. Individuals who receive this type of loan also get access to technical assistance, information on good environmental practices and increased access to farm inputs like fertilizer. This is considered a high risk loan due to the population and loan purpose, and CrediCampo is one of the very few institutions in El Salvador willing to working with these farmers.

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
  • 635
    View loans »
    El Salvador Loans Fundraising
  • $28,078,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,000 helped Ricardo Hermogenes to buy 3 young calves.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 25, 2014
Apr 13, 2014
Currency Exchange Loss:
May 13, 2014