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Ricardo Hermogenes
Ricardo is 69 years old and works in agriculture. Due to low economical resources, it was impossible for him to continue his education and he only studied up to the first grade. He is a single father of 3 children.

Ricardo has made a living from agriculture and cattle raising for approximately 51 years. His dad taught him how to do these jobs so that he could defend himself in life, given that he could not give him an education. It is difficult for him to find another job because of the academic level he possesses, that is why agriculture and cattle raising are his only source of income.

He will use the loan to purchase two young grazing cattle to take care of them, fatten them, and sell them when they are grown bulls in order to cancel his loan and, from the profit, cover some unmet needs.

His dream for the future is to improve the quality of life for him and his family.
View original language description ↓
Ricardo de 69 años de edad es agricultor, estudio hasta primer grado, debido a los bajos recursos económicos le fue imposible continuar sus estudios, es padre soltero de 3 hijos.

Ricardo se dedica a la agricultura y a la ganaderia desde hace 51 años aproximadamente, estos trabajos se los enseño su padre para que se defendiera en la vida, ya que no le pudo dar estudio, a él se le hace difícil conseguir otro trabajo debido al nivel académico que tiene y es por eso que la agricultura y la ganadería son su fuente de ingreso.

Utilizará el préstamo para la compra de 2 novillos pequeños de repasto para cuidarlos, amanzarlos y venderlos cuando ya estén convertidos en toros, para cancelar el crédito y de la ganancia cubrir algunas necesidades pendientes.
El sueño a un futuro es mejorar la calidad de vida par él y su familia.

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
  • 728
    View loans »
    El Salvador Loans Fundraising
  • $26,313,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ricardo Hermogenes to purchase two young grazing cattle.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 20, 2014
Jul 3, 2014
Currency Exchange Loss:
May 21, 2015