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José Osmar
José, age 28, is married, and he went to school through the ninth grade. He lives with his wife and their three year old child. José gets up at 5:30 a.m. His wife helps him with the agricultural activities in the morning. He is a farmer, and his parents taught him this work. He walks two kilometers to get to the farm land.

The loan that he is requesting is to buy a cow. This will help to increase milk production to sell and to get additional income in the future. With the income that he gets, José plans to buy more animals.
View original language description ↓
José de 28 años de edad, es una persona casada que estudio hasta noveno grado, vive junto a su esposa e hijo de 3 años de edad.

José se levanta a las 5:30 a.m. Junto a su esposa que le apoya en la actividades agrícolas durante la mañana. Él se dedica a la agricultura, este trabajo se lo enseño sus padres. Para llegar a la parcelas camina 2 Km.
El préstamo que esta solicitando, es para comprar una vaca que le ayudara en un futuro para incrementar la producción de leche para la venta y obtener ingresos adicionales.

José planea que con los ingresos que obtenga, comprar más animales.

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
  • 785
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped José Osmar to buy a cow.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 4, 2014
Apr 23, 2014
Currency Exchange Loss:
Mar 19, 2015