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José Luz
José, age 56, has a sixth grade education. He says that he only got through this grade because it was very difficult to go to school more due to the financial situation. José is married, and his wife sells basic grains. They have eight children. Two of them go to school, and the others are in separate households. José only lives with his wife and two children.

José has been working in agriculture ever since he was 15 years old. His father taught him this work because he wanted him to learn the work well so that he would not suffer in the future. José also helps his wife with her basic grains business. This work is 20 minutes away, and they get there in a vehicle. His agricultural work is 10 minutes away, and he gets there by foot. At times his son helps him work a schedule from 6 a.m. until 12 noon.

The loan that he is requesting from CrediCampo is to find people to help him plant cacao. This year he has set out to plant 3,500 square meters of trees. He will also pay a car to help him take them to his house. It is near there that he will plant them, and this will help him a lot. They are wagering a lot on cacao, and this is going to generate a lot of profits in the future.

José's dreams are to always have good health so that he can continue working in agriculture, to be able to help his wife always in the business that she has, and for the business to give them good profits. He also hopes that the cacao crop is good for him so that he gets a lot of income. With the profits he hopes to be able to continue planting more until he has plenty of trees and a good harvest.
View original language description ↓
José de 56 años de edad, tiene sexto grado de nivel académico. Comenta que solo hasta ese grado llego ya que antes era bastante difícil estudiar más por la situación económica. José es casado la esposa se dedica al comercio de granos básicos, en esta relación ha procreado 8 hijos los cuales dos de ellos están en la escuela y los demás están en hogares apartes. Con José solo vive la esposa, dos hijos.

José se dedica a la agricultura desde que tenía 15 años de edad, este trabajo se lo enseño el padre ya que quería que aprendiera muy bien el trabajo para que en el futuro no fuera a sufrir; pero también José le ayuda a la esposa en el negocio que tiene de granos básicos, este trabajo le queda a una distancia de 20 minutos y viajan en vehículo y el de la agricultura le queda a una distancia de 10 minutos y viaja a pie en ocasiones le ayuda un hijo al trabajo en un horario de las 6 am a las 12 del mediodía.

El préstamo que está solicitando a CREDICAMPO, es para buscar personas que le ayuden a sembrar cacao, ya que en este año se a propuesto sembrar 3,500 metros cuadrados de palos de cacao y también pagara un carro que le ayude a llevarlos a la casa ya que es ahí cerca que los va a sembrar esto le va ayudar mucho, ya que le están apostando bastante al cacao y esto le va generar muchas ganancias en el futuro

Los sueños de José es que siempre tenga salud para seguir trabajando en la agricultura y poder ayudarle a la esposa siempre en el negocio que tiene y que les da bastante ganancias, también espera que le sirva mucho el cultivo del cacao para que por medio de eso tenga muchos ingresos y con las ganancias poder seguir sembrando más hasta tener bastantes palos y una buena cosecha.

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
  • 720
    View loans »
    El Salvador Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped José Luz to find people to help plant cacao, to buy cacao trees, and to pay for a car to help him get the trees home.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jul 1, 2014
Jul 13, 2014
Currency Exchange Loss:
Mar 19, 2015