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Melany De Jesús
Melany is 48 years old and studied up to the third grade. She could not continue studying due to the lack of schools with higher grades in the region, but what she learned in school helps her today in her job.

She is married and her partner works selling disposable products in buses around the region. Both of them are responsible for supporting their children and their income goes toward that sole objective. Melany has four children who are no longer small. The youngest is 13 years old. They are all studying. The oldest goes to university and the rest are in middle school and high school, which means they have considerable expenses.

She has a stand in the market, where she sells ice cream, smoothies and juices. Her stand is in a central location with a lot of pedestrian traffic. She has had this job for 7 years. After analyzing what was lacking in the market, she realized that there were no refreshing products for sale, which is why she decided to take a chance and innovate. This is her only occupation -- she previously helped an aunt selling clothes. The distance to her job is one kilometer. She works alone and her work schedule is 7:00 a.m. to 3:00 p.m.

She is asking for this loan to buy more ice cream, bananas, strawberries, sapotes and milk to make smoothies, and more fruit to make natural juices. The loan will allow her dream to improve her sales and provide more variety to her clients come true.

She dreams of her sales always growing and of improving her income, with which she will be able to cover her needs and those of her family. Her profits will be invested in repaying her loan and expanding her business.
View original language description ↓
Melany de 48 años de edad, estudio hasta tercer grado, la falta de escuelas en la zona con más grados de enseñanza no pudo continuar, pero el aprendizaje que adquirió cuando estaba aprendiendo, es lo que hoy en día le esta siendo útil por la actividad a la que se dedica.

Está casada, su pareja se dedica al comercio de productos desechables en las unidades de buses que transita en la zona, ambos son los responsable de la manutención de sus hijos; por lo que los ingresos van a una misma causa, es madre de cuatro hijos quienes ya están grandes, el menor tiene 13 y todos están estudiando, el mayor va a la universidad y los demás a básica, por lo que tiene un gasto considerado.

Ella tiene un puesto en el mercado, en el que vende helados, frescos y licuados, está en un punto céntrico donde circula bastante gente, tiene 7 años de dedicarse al negocio, analizando ella lo que faltaba que vendieran en el mercado se dio cuenta que no había nada para refrescarse, por lo que tomo la decisión de innovar dando este paso importante, no tiene más actividades a las que se dedique; anteriormente le ayudaba a una tía a vender ropa. La distancia que recorre es de un kilómetro diario, solo ella es la que realiza esta actividad, su horario de trabajo es de las 7 am a 3 pm.

El préstamo que esta solicitando a CREDICAMPO, es para comprar más helados, banano, fresas, zapote, leche, para elaborar los licuados y más fruta para hacer los refrescos naturales. La mejora que el préstamo hará, es el poder cumplir el sueño de ampliarse con las venta y dar una mejor variedad al cliente.

Los sueños que tiene es poder crecer siempre en las ventas y con eso tener mejores ingresos, con lo que podrá cubrir sus necesidades y las de su familia. Las ganancias serán invertidas en el pago de la cuota y ampliar el negocio.

Additional Information

More information about this loan

This loan is designed for rural women in El Salvador. Loan amounts are much smaller than average and the field partner is not requiring any guarantee for this type of loan. The goal is to support businesses that will enable women to work from their homes or start flexible businesses, as many of them are single mothers and are the sole caretakers for their families. Women who receive this type of loan also receive training on entrepreneurship, business management and budgeting.

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

  • $4,900
    Average annual income
  • 570
    View loans »
    El Salvador Loans Fundraising
  • $23,939,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Melany De Jesús to buy more ice cream, bananas, strawberries, sapotes and milk to make smoothies, and more fruit to make natural juices.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 5, 2014
Listed
Jun 19, 2014
Currency Exchange Loss:
N/A
Ended:
Aug 17, 2014