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Julio Ándres
Julio is 61 years old. He is married and has six children. From a very young age, he made a living growing basic grains. He learned this trade from his father, though, throughout his life, he has worked in various jobs, with the aim of helping his family get ahead. One of his jobs was working for the municipal police some time ago but he decided to leave this work because of the dangers it entailed. He thus decided to return to the farming work that he is trained to work in.

Julio buys supplies for his basic grains in the community, having to transport them 20 minutes in a pick up truck to get them to the land where he grows his crops.

Part of this loan will be used to buy five bags of manure and three litres of herbicides. The rest will be used to buy chickens to fatten up, and chicken feed, in order to increase the family income.

This loan will improve the family's quality of living as it will provide Julio with an opportunity to increase production, thus generating a higher income for the household. This, in turn, will give Julio's children - currently in primary school - the opportunity to complete at least high school.

In the future, Julio is thinking about increasing his basic grain crops as this has always put food on the table for his family. However, in addition, he would like to build a pen to fatten up chickens, increase his income and grow alongside his family.
View original language description ↓
Julio tiene 61 años de edad, esta casado y tiene 6 hijos. Desde muy corta edad se dedica a la siembra de granos básicos actividad en la que fue instruido por su padre, aunque a lo largo de su vida se ha desempeñado en diversas tareas con el afán de sacar a delante su familia, destaca dentro de ellas el trabajo de policía municipal; que desde un tiempo atrás realizo pero que actualmente decidió alejarse de ella por el peligro que esta conlleva, pensando dedicarse a las actividades agropecuarias en las que fue formado .

Los insumos para la siembra de granos básicos los compra en una comunidad, teniendo que transportarlos en pick up a 20 minutos para llevarlos hasta el lugar donde realiza los cultivos.

El Préstamo será utilizado una parte para la compra de 5 sacos de abono, 3 litros de herbicidas y el resto para la compra de pollos de engorde y concentrado con el fin de incrementar los ingresos familiares.

El préstamo mejorara la calidad de vida familiar; ya que proporcionara la oportunidad de incrementar su unidad de producción lo cual estará generando mayor cantidad de ingresos económicos a la familia y dará la oportunidad a los hijos que están cursando la educación básica de culminar al menos la educación media.

A futuro piensa incrementar la siembra de granos básicos, ya que ha sido lo que toda su vida le ha brindado el alimento a la familia; pero a demás construirá una galera para pollos de engorde con el fin de incrementar sus ingresos familiares y así poder crecer al lado de su familia.

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
  • 675
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $800 helped Julio Ándres to buy five bags of manure and three litres of herbicides. The rest will be used to buy chickens to fatten up, and chicken feed, in order to increase the family income.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 22, 2013
Aug 2, 2013
Currency Exchange Loss:
Sep 1, 2013