Fund a loan, get repaid, fund another.

How Kiva works

Choose a borrower

Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy and more.

Repeat!

Use the repayment to support another borrower, or withdraw your money.

Tap

Make a loan

Select a borrower who you connect with and help fund a loan with as little as $25.

Get repaid

Receive updates on your loans and see the dollars return to your Kiva account.

Choose a borrower

Browse categories of borrowers— people looking to grow businesses, go to school, switch to clean energy, and more.

Learn more about how Kiva works

72%

funded

9 days left

$550.00 to go

Total loan: $2,000

Bernardo

San Miguel Sur, El Salvador / Furniture Making

A loan of $2,000 helps to buy wood for his carpentry jobs.

Bernardo's story

Bernardo is married. His wife works in the home and their children are independent adults.

Bernardo is a carpenter. He learned this profession on his own as it always interested him as a child. His workshop is located near his house. He works from 7:00 am to 3:00 pm. Also, he has experience in farming.

He's requesting a loan to buy wood for his carpentry jobs. He'll also buy tools and pay for the repair of the ones he has.

Bernardo dreams of growing his work shop and increasing his earnings to provide his family with a better quality of life.

Translated from Spanish by Kiva volunteer Beatriz Yuste. View original language description.

Bernardo, está casado, su esposa es ama de casa y sus hijos ya son adultos e independientes.

Bernardo es carpintero y aprendió este oficio por cuenta propia pues desde niño le llamó la atención. El taller está ubicado en su casa y trabaja de 7:00 am a 3:00 pm. Además, tiene experiencia en la agricultura.

Él necesita el préstamo para comprar madera para sus trabajos de carpintería. Además, comprará herramientas y pagará la reparación de las que ya tiene.

Bernardo, sueña con hacer crecer su taller y mejorar sus ingresos para dar a su familia mejor calidad de vida.

This loan is special because:

It supports El Salvadorian artisans to grow their businesses.

Lina Ramírez, Kiva staff

Lina Ramírez
Kiva staff

More about this loan

This loan is part of Credicampo´s efforts to promote and revive the art of handcrafting in rural areas of El Salvador. This Kiva loan will be used to provide borrowers with the money they need to buy tools and materials to create their goods. By supporting this loan you are helping provide opportunity for artists in El Salvador.

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.

Loan details

Loan length:

26 months

Repayment schedule: Monthly

Disbursed date: January 29, 2021

Funding model: Flexible

Partner covers currency loss? N/A

Facilitated by Field Partner: CrediCampo

Is borrower paying interest? Yes

Field Partner risk rating:

Lenders and lending teams

Country: El Salvador

Field Partner: CrediCampo

Time on Kiva: 114 months

Kiva borrowers: 38,978

Total loans: $24,746,450

Average cost to borrower: 29% PY

Profitability (return on assets): 3.4%

Average loan size (% of per capita income): 37.60%

Delinquency rate: 7.30%

Loans at risk rate: 14.36%

Default rate: 1.25%

Currency exchange loss rate: 0.00%

More about CrediCampo

What is a Field Partner?

Comments and updates (0)

Repayment schedule

Show advanced

	Expected	Actual
May 2021	$145.07	Available May 1
Jun 2021	$72.81	Available Jun 1
Jul 2021	$74.52	Available Jul 1
Aug 2021	$74.80	Available Aug 1
Sep 2021	$76.48	Available Sep 1
Oct 2021	$76.83	Available Oct 1
Nov 2021	$77.87	Available Nov 1
Dec 2021	$79.50	Available Dec 1
Jan 2022	$80.00	Available Jan 1
Feb 2022	$81.59	Available Feb 1
Mar 2022	$82.18	Available Mar 1
Apr 2022	$83.73	Available Apr 1
May 2022	$85.23	Available May 1
Jun 2022	$85.56	Available Jun 1
Jul 2022	$87.05	Available Jul 1
Aug 2022	$87.89	Available Aug 1
Sep 2022	$89.34	Available Sep 1
Oct 2022	$90.28	Available Oct 1
Nov 2022	$91.50	Available Nov 1
Dec 2022	$92.89	Available Dec 1
Jan 2023	$93.99	Available Jan 1
Feb 2023	$95.34	Available Feb 1
Mar 2023	$95.55	Available Mar 1

	Expected	Amount	Actual
May 2021
From borrower to Field Partner	Feb 28, 2021	$71.67
	Mar 29, 2021	$73.40
From Field Partner to lenders	May 2021	$145.07	Available May 1
Jun 2021
From borrower to Field Partner	Apr 29, 2021	$72.81
From Field Partner to lenders	Jun 2021	$72.81	Available Jun 1
Jul 2021
From borrower to Field Partner	May 29, 2021	$74.52
From Field Partner to lenders	Jul 2021	$74.52	Available Jul 1
Aug 2021
From borrower to Field Partner	Jun 29, 2021	$74.80
From Field Partner to lenders	Aug 2021	$74.80	Available Aug 1
Sep 2021
From borrower to Field Partner	Jul 29, 2021	$76.48
From Field Partner to lenders	Sep 2021	$76.48	Available Sep 1
Oct 2021
From borrower to Field Partner	Aug 29, 2021	$76.83
From Field Partner to lenders	Oct 2021	$76.83	Available Oct 1
Nov 2021
From borrower to Field Partner	Sep 29, 2021	$77.87
From Field Partner to lenders	Nov 2021	$77.87	Available Nov 1
Dec 2021
From borrower to Field Partner	Oct 29, 2021	$79.50
From Field Partner to lenders	Dec 2021	$79.50	Available Dec 1
Jan 2022
From borrower to Field Partner	Nov 29, 2021	$80.00
From Field Partner to lenders	Jan 2022	$80.00	Available Jan 1
Feb 2022
From borrower to Field Partner	Dec 29, 2021	$81.59
From Field Partner to lenders	Feb 2022	$81.59	Available Feb 1
Mar 2022
From borrower to Field Partner	Jan 29, 2022	$82.18
From Field Partner to lenders	Mar 2022	$82.18	Available Mar 1
Apr 2022
From borrower to Field Partner	Feb 28, 2022	$83.73
From Field Partner to lenders	Apr 2022	$83.73	Available Apr 1
May 2022
From borrower to Field Partner	Mar 29, 2022	$85.23
From Field Partner to lenders	May 2022	$85.23	Available May 1
Jun 2022
From borrower to Field Partner	Apr 29, 2022	$85.56
From Field Partner to lenders	Jun 2022	$85.56	Available Jun 1
Jul 2022
From borrower to Field Partner	May 29, 2022	$87.05
From Field Partner to lenders	Jul 2022	$87.05	Available Jul 1
Aug 2022
From borrower to Field Partner	Jun 29, 2022	$87.89
From Field Partner to lenders	Aug 2022	$87.89	Available Aug 1
Sep 2022
From borrower to Field Partner	Jul 29, 2022	$89.34
From Field Partner to lenders	Sep 2022	$89.34	Available Sep 1
Oct 2022
From borrower to Field Partner	Aug 29, 2022	$90.28
From Field Partner to lenders	Oct 2022	$90.28	Available Oct 1
Nov 2022
From borrower to Field Partner	Sep 29, 2022	$91.50
From Field Partner to lenders	Nov 2022	$91.50	Available Nov 1
Dec 2022
From borrower to Field Partner	Oct 29, 2022	$92.89
From Field Partner to lenders	Dec 2022	$92.89	Available Dec 1
Jan 2023
From borrower to Field Partner	Nov 29, 2022	$93.99
From Field Partner to lenders	Jan 2023	$93.99	Available Jan 1
Feb 2023
From borrower to Field Partner	Dec 29, 2022	$95.34
From Field Partner to lenders	Feb 2023	$95.34	Available Feb 1
Mar 2023
From borrower to Field Partner	Jan 29, 2023	$95.55
From Field Partner to lenders	Mar 2023	$95.55	Available Mar 1

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details

Loan length:

26 months

Repayment schedule: Monthly

Disbursed date: January 29, 2021

Funding model: Flexible

Partner covers currency loss? N/A

Facilitated by Field Partner: CrediCampo

Is borrower paying interest? Yes

Field Partner risk rating:

Field Partner: CrediCampo

Time on Kiva: 114 months

Kiva borrowers: 38,978

Total loans: $24,746,450

Average cost to borrower: 29% PY

Profitability (return on assets): 3.4%

Average loan size (% of per capita income): 37.60%

Delinquency rate: 7.30%

Loans at risk rate: 14.36%

Default rate: 1.25%

Currency exchange loss rate: 0.00%

More about CrediCampo

What is a Field Partner?

Repayment schedule

Show advanced

	Expected	Actual
May 2021	$145.07	Available May 1
Jun 2021	$72.81	Available Jun 1
Jul 2021	$74.52	Available Jul 1
Aug 2021	$74.80	Available Aug 1
Sep 2021	$76.48	Available Sep 1
Oct 2021	$76.83	Available Oct 1
Nov 2021	$77.87	Available Nov 1
Dec 2021	$79.50	Available Dec 1
Jan 2022	$80.00	Available Jan 1
Feb 2022	$81.59	Available Feb 1
Mar 2022	$82.18	Available Mar 1
Apr 2022	$83.73	Available Apr 1
May 2022	$85.23	Available May 1
Jun 2022	$85.56	Available Jun 1
Jul 2022	$87.05	Available Jul 1
Aug 2022	$87.89	Available Aug 1
Sep 2022	$89.34	Available Sep 1
Oct 2022	$90.28	Available Oct 1
Nov 2022	$91.50	Available Nov 1
Dec 2022	$92.89	Available Dec 1
Jan 2023	$93.99	Available Jan 1
Feb 2023	$95.34	Available Feb 1
Mar 2023	$95.55	Available Mar 1

	Expected	Amount	Actual
May 2021
From borrower to Field Partner	Feb 28, 2021	$71.67
	Mar 29, 2021	$73.40
From Field Partner to lenders	May 2021	$145.07	Available May 1
Jun 2021
From borrower to Field Partner	Apr 29, 2021	$72.81
From Field Partner to lenders	Jun 2021	$72.81	Available Jun 1
Jul 2021
From borrower to Field Partner	May 29, 2021	$74.52
From Field Partner to lenders	Jul 2021	$74.52	Available Jul 1
Aug 2021
From borrower to Field Partner	Jun 29, 2021	$74.80
From Field Partner to lenders	Aug 2021	$74.80	Available Aug 1
Sep 2021
From borrower to Field Partner	Jul 29, 2021	$76.48
From Field Partner to lenders	Sep 2021	$76.48	Available Sep 1
Oct 2021
From borrower to Field Partner	Aug 29, 2021	$76.83
From Field Partner to lenders	Oct 2021	$76.83	Available Oct 1
Nov 2021
From borrower to Field Partner	Sep 29, 2021	$77.87
From Field Partner to lenders	Nov 2021	$77.87	Available Nov 1
Dec 2021
From borrower to Field Partner	Oct 29, 2021	$79.50
From Field Partner to lenders	Dec 2021	$79.50	Available Dec 1
Jan 2022
From borrower to Field Partner	Nov 29, 2021	$80.00
From Field Partner to lenders	Jan 2022	$80.00	Available Jan 1
Feb 2022
From borrower to Field Partner	Dec 29, 2021	$81.59
From Field Partner to lenders	Feb 2022	$81.59	Available Feb 1
Mar 2022
From borrower to Field Partner	Jan 29, 2022	$82.18
From Field Partner to lenders	Mar 2022	$82.18	Available Mar 1
Apr 2022
From borrower to Field Partner	Feb 28, 2022	$83.73
From Field Partner to lenders	Apr 2022	$83.73	Available Apr 1
May 2022
From borrower to Field Partner	Mar 29, 2022	$85.23
From Field Partner to lenders	May 2022	$85.23	Available May 1
Jun 2022
From borrower to Field Partner	Apr 29, 2022	$85.56
From Field Partner to lenders	Jun 2022	$85.56	Available Jun 1
Jul 2022
From borrower to Field Partner	May 29, 2022	$87.05
From Field Partner to lenders	Jul 2022	$87.05	Available Jul 1
Aug 2022
From borrower to Field Partner	Jun 29, 2022	$87.89
From Field Partner to lenders	Aug 2022	$87.89	Available Aug 1
Sep 2022
From borrower to Field Partner	Jul 29, 2022	$89.34
From Field Partner to lenders	Sep 2022	$89.34	Available Sep 1
Oct 2022
From borrower to Field Partner	Aug 29, 2022	$90.28
From Field Partner to lenders	Oct 2022	$90.28	Available Oct 1
Nov 2022
From borrower to Field Partner	Sep 29, 2022	$91.50
From Field Partner to lenders	Nov 2022	$91.50	Available Nov 1
Dec 2022
From borrower to Field Partner	Oct 29, 2022	$92.89
From Field Partner to lenders	Dec 2022	$92.89	Available Dec 1
Jan 2023
From borrower to Field Partner	Nov 29, 2022	$93.99
From Field Partner to lenders	Jan 2023	$93.99	Available Jan 1
Feb 2023
From borrower to Field Partner	Dec 29, 2022	$95.34
From Field Partner to lenders	Feb 2023	$95.34	Available Feb 1
Mar 2023
From borrower to Field Partner	Jan 29, 2023	$95.55
From Field Partner to lenders	Mar 2023	$95.55	Available Mar 1

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

72%

Bernardo

A loan of $2,000 helps to buy wood for his carpentry jobs.

Bernardo's story

Previous loan details

This loan is special because:

More about this loan

About CrediCampo:

Loan details

Loan length:

Lenders and lending teams

Country: El Salvador

Field Partner: CrediCampo

Comments and updates (0)

Tags

Repayment schedule

Loan details

Loan length:

Field Partner: CrediCampo

Repayment schedule