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José Manuel
José is 37 years old. He is a very well known and respected member of his community because of his education and willingness to serve others. He has high moral and spiritual standards. He grew up with his parents and grandparents, who were the ones to correct him and guide him down the right path. The good values that he learned at home are what have helped him get ahead today and become a good and successful person.

José got his basic education in the local school. He would study every day in the evening, since in the mornings he would help his father and grandfather with their farm work, which was their main source of financial income and helped provide for the family and cover the basic needs of their household. In time José acquired knowledge and experience in growing basic grains and that is how he started working on his own. When he met his wife, they decided to start a family and a life together and today they have three children, who are going to the local school.

José works farming and raising livestock, which he learned from his father and grandfather. He has 25 years of experience because he has been working ever since he was a child when he would go out to the fields in the mornings alongside his father with sickle, a watering can, and a pair of sandals, which made up his working gear.

He will use the money to buy wood and shingles to repair the roof of his house. This will allow him to give his children and his whole family more protection, since it is a basic right in life to have decent housing, a place to be protected from the cold, the heat, the rain, and the sun.

The goals he has set for his future are to finish his house and have it ready with everything his family needs in order to rest and be protected. He also wants to help his children become professionals as much as he can, since he says one of them wants to become a computer science engineer. He will achieve all of this by investing his earnings wisely and investing a new loan.
View original language description ↓
José de 37 años de edad, es una persona muy conocida y respetada en la comunidad por su educación y alta voluntad de servicio a los demás es una persona con buenos principios morales y espirituales, él se creció con sus padres y sus abuelos quienes se encargaron de corregirlo y guiarlo por el buen camino de los buenos valores que son los que hoy en día lo han llevado a salir adelante y a ser una persona de bien y de éxito.

José curso sus estudios de educación básica en la escuela de la comunidad, él estudiaba todos los días por la tarde, ya que por las mañanas se dedicaba ayudar en los quehaceres agrícolas de su padre y su abuelo ya que era su principal fuente de ingresos económicos y lo que le ayudaba a dar el sustento diario de su familia y de esa forma podían satisfacer las necesidades básicas de su hogar, con el paso del tiempo José adquirió conocimiento y experiencia en el manejo de los cultivos de granos básicos y fue de así que se fue independizando y fue cuando conoció a su esposa con quien decidió formar su hogar y concretar su vida y hoy en día son padres de 3 hijos de los que se encuentran estudiando en la escuela de su comunidad.

José se dedica a la agricultura y ganadería actividad que fue heredada por su padre y su abuelo, y tiene una experiencia de 25 años ya que trabaja desde que era un niño, acompañaba a su padre por la mañana a cultivar la tierra utilizando una cuma, un calabazo con agua y un par de caytes siendo estos sus implemento de trabajo.

El dinero será utilizado para comprar madera, teja para reparar el techo de su casa. De esta manera dará una mejor protección a sus hijos y a toda su familia, ya que es un derecho fundamental para la vida en tener una vivienda digna, algo que les proteja del frio, el calor, la lluvia y el sol.

Las proyecciones que él tiene para su futuro son las de tener su cada terminada y con todas las condiciones para el descanso y protección de su familia, y ayudar en todo lo necesario para que sus hijos puedan ser unos profesionales, ya que manifiesta que uno de ellos quiere ser ingeniero en sistemas informáticos y todo esto lo lograra con la buena inversión de sus ganancias y la inversión de un crédito nuevo.

Additional Information

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $4,900
    Average annual income
  • 606
    View loans »
    El Salvador Loans Fundraising
  • $23,544,725
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,500 helped José Manuel to buy wood and shingles to repair the roof of his house.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jul 15, 2014
Listed
Jul 29, 2014
Currency Exchange Loss:
N/A
Ended:
Dec 17, 2014