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Ernesto Isaias
Ernesto is 23 years old, a high school graduate and married. His wife looks after the home and they have a 4 1/2 month--old daughter. No one else lives with him and just two people depend on him. He is employed and has been for about two years. He has no business. The area where he works is around 8 km from his home and he travels by bus. His work hours are four days on, three days off.

The client will buy wood for completing the construction of his home, and will also install basic electricity service. The loan will improve his quality of life, as he will be able to have his own home.

His dreams are to be able to continue working so that he can have a decent home for his family, and for his daughter to grow up strong and healthy.

A loan will help him greatly, as he can work on his home until he finishes it. From his salary as an employee he is paying off his loan little by little, and expects to meet his obligations very well, so that CrediCampo will keep lending to him.
View original language description ↓
Ernesto de 23 años de edad, es bachiller; esta casado, su esposa se dedica a oficios domésticos; tiene una hija de 4 ½ meses. Nadie mas vive con él y solamente 2 personas dependen de el. El cliente es empleado; tiene alrededor de 2 años de ser empleado, él no tiene ningún negocio. La distancia donde trabaja esta como a 8 km de su casa y viaja en bus; su horario de trabajo es de 4 días seguidos y 3 de descanso.

El cliente comprara madera para terminar la construcción de su vivienda y además ponerle el servicio básico de energía eléctrica. El préstamo le mejorara su calidad de vida, ya que podrá tener su propia vivienda. Sus sueños son poder seguir trabajando para tener una vivienda digna para su familia; en cuanto a su hija, que crezca fuerte y sana. El préstamo le ayudara mucho ya que puede trabajar en su casa hasta terminarla; de su sueldo de empleado va pagando su préstamo y espera responder muy bien para que Credicampo le siga prestando.

Additional Information

More information about this loan

This loan is part of a project to help young men and women in El Salvador (under age 26) launch their own businesses. The field partner is reducing the guarantee for these individuals, who normally would not have access to loans due to their lack of experience. Unemployment for young people is high in El Salvador, a fact that motivates many of them to leave the country instead of searching for work. Aside from access to financing, clients will also be grouped together according to their business types to receive training from CrediCampo's social development unit, and to share advice and support with one another.

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

  • $7,500
    Average annual income
  • 660
    View loans »
    El Salvador Loans Fundraising
  • $28,216,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Ernesto Isaias to buy wood and install electricity in his home.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Mar 31, 2014
Apr 26, 2014
Currency Exchange Loss:
Sep 17, 2014