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Joel, who is 34 years old, earned a technical degree in computers and is married. His wife is a domestic employee. So far, they don't have children and his parents live with them.

Joel currently works in an motorcycle repair shop. He has done that for eight years; he learned the trade starting in childhood. Later the degree program he was in served as the impetus for him to have his own shop, but due to life circumstances, he was not able to continue paying for his shop. That's why he is now an employee. He travels close to six kilometers to arrive at his workplace. He arrives at 8:00 a.m. and leaves at 5:00 p.m. When there isn't too much work, he travels to pick up his wife so that they can get home at the same time.

Joel will use the money from the loan to finish the construction of his house; he has been building it recently, but the money that he has is not enough to finish it. In addition, he plans to buy a motorcycle for transportation.

Joel dreams of having his own repair shop, having a decent house, and buying a vehicle for his family to use. He knows that he can achieve this, but he needs help from God and from these loans.
View original language description ↓
Joel de 34 años de edad, estudio un técnico en computación y esta casado, su esposa es empleada; hasta el momento no tiene hijos y sus padres viven con ellos.

Joel actualmente trabaja en un taller de reparación de motos, lo hace desde hace 8 años y aprendió este oficio desde niño y luego la carrera que estudio le sirvió como un impulso, para tener su propio taller, pero por circunstancias de la vida no pudo seguir costeando su taller; es por eso que hoy en día esta como empleado, se traslada cerca de 6 kilómetros para llegar a su trabajo y entra a las 8:00 am. Y sale a las 5:00 pm. Cuando no hay mucho trabajo, luego tiene que trasladarse a recoger a su esposa y así poder llegar a la misma hora.

Joel utilizara el dinero del préstamo, para terminar de construir su casa ya que en estos momentos la esta construyendo y el dinero que tiene no le alcanza para terminarla, ademas tiene pensado comprar una motocicleta usada para trasladarse.

Joel sueña con tener un taller propio, tener una vivienda digna , comprar un vehículo para el uso de su familia, él sabe que lo puede lograr, pero necesita la ayuda de Dios y de los créditos.

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

  • $7,500
    Average annual income
  • 375
    View loans »
    El Salvador Loans Fundraising
  • $31,248,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Joel to finish building his house.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 4, 2014
Mar 30, 2014
Currency Exchange Loss:
Nov 17, 2015