Update on Lucila DalilaTwenty-seven-year-old Lucila is the eldest daughter of a large family of 9 siblings who grew up close together under the care of their parents, who taught them very good principles, of which love and truthfulness are first and foremost. However, they also taught them to believe in God, and in his fairness.
Being the eldest, she had to help raise her other siblings, and this has transformed her into a second mother. However, she says that it has been difficult to confront life and fight alongside her parents to raise her other siblings, but that she has always put her trust in God. Her parents are together with her still, and some of her siblings; but life has given them satisfactions that fill her with happiness, knowing that she has helped to raise her younger siblings, supporting her parents in everything.
Lucila is a government employee, and she works in the local Health Unit. Since she has been working there, things have improved noticeably for her family and this has made their quality of life better. She comments that she has had to struggle in order to improve her home and to purchase some basic household equipment, so that little by little, things would continue changing in her simple home.
The loan will be used for the repayment of a debt incurred, as she needed a loan for the purchase of the basic household equipment mentioned above, which is now due.
Her plans for the future are to construct a masonry-block house, as the one she currently has is wattle and daub; and she comments that in her heart she has the desire to build a home for her parents where they could live with dignity.
Sus padres están todavía junto a ella y algunos de sus hermanos, pero la vida les ha dado satisfacciones que le llenan de felicidad al saber que ayudo a crecer a sus hermanos menores apoyando a sus padres en todo.
Lucia es empleada de gobierno y trabaja en la unidad de salud de la localidad, desde que trabaja en este lugar su familia mejoro notablemente, esto vino a potenciar la calidad de vida de su familia, comenta que para mejorar su vivienda y comprar algunos enseres de su casa ha tenido que luchar mucho para que poco a poco las cosas vayan cambiando en su humilde vivienda.
El préstamo se empleara para el pago de una deuda contraída, por el caso antes mencionado ya que se necesito de un préstamo para la compra de algunos enseres del hogar y ahora se deben cancelar.
Sus planes para el futuro son construir una vivienda de bloque, ya que la que actualmente posee es de Bahareque y comenta que tiene en su corazón el deseo de construir su casa en donde sus padres puedan vivir dignamente.
Previous Loan DetailsLucila is 27 years old, works in the health unit, is single, and lives with her parents. Lucila completed high school, since her parents supported her studies and made sure she graduated. Today she is working to help her younger siblings who are in middle school, between 8th and 9th grade. Th... More from Lucila Dalila's previous loan »
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 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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About El Salvador
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This loan has been fully funded!
- Repayment Term
- 21 months (Additional Information)
- Repayment Schedule
- Apr 29, 2014
- May 21, 2014
- Currency Exchange Loss:
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.