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Deysi Del Carmen
Carmen is 42 years old, and left education after the ninth grade. She has a husband, who makes a living as a farmer with the help of their children. She gets up at 4:30 a.m. with her husband to begin her daily jobs.

Carmen works in agriculture, a trade she was taught by her husband. In the morning, they work on their plots of land, which are a 2km walk away. They spend the afternoons milking the cows to sell the milk.

The loan she is requesting is to buy two dairy cows to produce more milk to sell and in this way increase their income.

Carmen plans to use her earnings from selling milk and growing crops, and from the loan to buy cows, to buy a plot of land for her animals to graze on in the future, as she currently only rents land.
View original language description ↓
Carmen de 42 años de edad, es una persona que estudio hasta noveno grado y es una persona acompañada, su esposo se dedica a la agricultura y sus hijos le ayudan. Se levanta a las 4:30 a.m. Junto a su esposo para realizar sus actividades diarias.

Carmen se dedica a trabajar en la agricultura oficio que le ha enseñado su esposo, durante la mañana trabajan en las parcelas camina 2 kilómetros para llegar y en el transcurso de la tarde se dedican a ordeñar las vacas para vender la leche.

El préstamo que esta solicitando, es para comprar dos vacas lecheras, para producir mas leche para la venta y así incrementar sus ingresos.

Carmen planea que con los ingresos que obtiene de la venta de leche y de la siembra, y del préstamo para la compra de las vacas podrá comprar en un futuro un terreno para pastar sus animales ya que actualmente alquila.

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
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $28,084,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Deysi Del Carmen to buy two dairy cows.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 24, 2014
May 7, 2014
Currency Exchange Loss:
Nov 20, 2014