Haydee sells dairy products such as cheese and milk, which she buys and then resells. In this way she makes a profit, generates income, and helps her husband with household expenses. She has been working in this business for about 23 years. Her father taught her the trade and developed their business in the town near their home. They traveled 23 kilometers by bus every day in order to sell their products. She works for 6 hours a day.
The loan will be invested in the purchase of milk, which is where she gets her cheese and curds to sell. The loan will help her improve her sales, as she will have more products to sell and thus she will improve her income.
Her main dream is seeing her children complete a college education, as she herself was not able to do so. At the same time, she wants to improve her business by placing a stall in the town where she can establish a formal business. For the future, Haydee wishes to continue working with her family and to continue growing her business by purchasing more supplies for sales.
Haydee se dedica a la venta de productos lácteos, como: queso fresco y leche, que le compra a algunas personas la leche y luego revende ella de forma que obtenga una ganancia y le genere un ingreso a su economía y ayudar así a su esposo con los gastos que se generan en el hogar se ha dedicado a este negocio desde hace unos 23 años, su padre de ella le enseño la actividad el trabajo de la cliente lo desarrolla en el municipio más cercano a su casa recorre 23 kilómetros en bus todos los días, para vender sus productos y su horario de trabajo es de 6 horas al día.
El préstamo lo invertirá en la compra de leche que es de donde ella saca el queso y el requesón para luego vender. El préstamo le ayudara a mejorar la venta, porque tendrá más productos que vender y por tanto mejoraran los ingresos.
El principal sueño de la cliente es ver a sus hijos terminar una carrera universitaria, ya que ella no lo logro a la misma vez desea mejorar su negocio poniendo un puesto de venta en el municipio donde podrá establecer un negocio formal, para el futuro Haydee desea seguir trabajando junto a su familia y salir adelante hacer crecer su negocio comprando más insumos para la venta.
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 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.
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