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José Enoc
José, 28, studied to the 8th grade when he had to abandon his studies as his parents couldn't afford to pay for them, and he started to work together with his father to grow corn, beans and vegetables.

He is married and his wife takes care of the household chores and looks after their daughter who is five years old and is starting kindergarten.

José has been making his living in farming since he was a boy, as his father taught him the ropes of this trade. During the season in which he cannot work due to a lack of rain, he sows vegetables on irrigated land from which he obtains a good income through sales and he sometimes works as a laborer in the morning and tends to his crops in the afternoon. As such, his working day is varied, given that while getting products to sell, he has to find money to support his family.

The loan that José is seeking from CREDICAMPO, is to buy fertilizers, weed killer and insecticides for all of his crops, as well as to pay for the lease of the land he has toiled, as he doesn't have his own land on which to farm. By having the money, he will be able to secure the land for sowing and so that he will have the products he needs to apply as he doesn't have a lot of time to go and buy them at each and every moment. He needs to have these items ready at home to apply when needed and therein ensure a good production.

José wants his home to be built of a more solid material, as it is currently made of adobe and he wants to give his wife and daughter a better quality of life compared to what he had when he was a child. In the future, José sees his daughter completing a university degree and having better living conditions than what they have at the moment.
View original language description ↓
José de 28 años de edad, estudio hasta 8° grado tubo que abandonar los estudios ya que sus padres no podían sostenérselos, y se dedicó a trabajar junto a su padre al cultivo de maíz, frijol y hortalizas.

Esta acompañado su esposa se dedica a los oficios del hogar y a cuidar su hija quien tiene 5 años y está iniciando sus estudios de kínder.

José se dedica a la agricultura desde que era un niño, ya que su padre le enseño a desempeñar este rubro, cuando es la temporada que no puede cultivar por la falta de lluvias, siembra hortalizas con regadillo de los cuales obtiene buenos ingresos con la venta y por temporadas también trabaja como jornalero por la mañana y se dedica a cuidar de sus cultivos en las tardes por ello su horario de trabajo es variado, ya que mientras obtiene producto para vender tiene que buscar dinero para llevar el alimento a su familia.

El préstamo que está solicitando a CREDICAMPO, es para comprar fertilizantes, herbicidas y plaguicidas para todos sus cultivos, también pagara el arrendamiento de la tierra donde ha cultivado y donde cultivara, ya que él no posee terreno propio donde poder cultivar, teniendo el dinero en la mano asegurara el terreno para la siembra y los productos que le aplicara ya que él no tiene mucho tiempo para ir a comprar a cada momento, tiene que tenerlo en la casa listo para realizar la aplicación en el tiempo requerido y así asegurar una buena producción.

Él desea ver su casa construida de un material más resistente, ya que la actual es de bahareque y desea darle a su hija y esposa una mejor calidad de vida, comparada con la que el tubo en su niñez, el en su futuro ve a su hija graduándose en una carrera universitaria y teniendo mejores condiciones que las actuales.

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

  • $4,900
    Average annual income
  • 565
    View loans »
    El Salvador Loans Fundraising
  • $23,916,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,000 helped José Enoc to buy fertilizers, weed killer and insecticides for all of his crops. He will also pay the lease for the land where he will grow the crops as he doesn't have his own land where he can work the land.
45% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Jul 9, 2014
Listed
Jul 27, 2014
Currency Exchange Loss:
N/A