Update on Elmer MauricioElmer is 35 years old. He studied up to 9th grade. He has a common-law wife and she has a store in the house. He has 4 children, but only 2 of them depend on him. Elmer has always worked in agriculture and animal husbandry, because his family has always worked in the same work. He will use the loan to buy materials for cultivation, manure, poisons and fertilizers. He dreams of giving his children the adequate education and to make the store bigger.
Elmer siempre se ha dedicado a trabajar en la agricultura y ganadería, ya que su familia siempre ha trabajado en la misma actividad.
El préstamo lo utilizará para comprar materiales para cultivar, abono, venenos y fertilizantes.
Él sueña con darle la educación adecuada a sus hijos y hacer mas grande la tienda.
Previous Loan DetailsElmer, 34, has a spouse and four children. He’s been working full-time in agriculture and animal husbandry for about 15 years now having learned this task from his mother and father who do the same thing; this is how he grew up learning about agriculture. He lives with his life companion and… More from Elmer Mauricio's previous loan »
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 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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