Update on José ÁndresJosé is a responsible and hard-working married man who is the father of 12 children. He has been farming since he was quite young. He grows corn, beans and sorghum. His wife is a housewife.
In the winter months José works on the land undergoing the process of preparing it. He starts by getting rid of all the weeds until the fields are clear. Then he seeds and doing this he uses the herbicides and fertilizer to obtain a quality product. He also makes tiles, an activity that creates more revenue.
José needs a loan to begin the preparations for planting buying manure, fertilizer, herbicide and pesticide and pay for labor for the people who help him. José's dream is for his children to complete their studies and become good people who are active in their community and are recognized as honest people who inspire confidence within the community.
José en los meses de inviernos se dedica a reservar la tierra reailizando el proceso de preparacion empezando por cortar las hierbas malas hasta que el campo quede libre de malezas, luego hace las siembras y para eso utiliza los herbicidas y abonos para obtener un producto de calidad. Ademas, se dedica a la fabricacion de tejas actividad de la cual obtiene otros ingresos.
José necesita el préstamo para comenzar los preparativos de la siembra, comprara abono, fertilizantes, herbicidas, pesticidas y para pagar la mano de obra de las personas que prestan sus servicios.
El sueño de José, es que sus hijos puedan culminar sus estudios y que puedan convertirse en personas de bien y que sean participativos en su comunidad y que sean reconocidos como personas honestas y de confianza dentro de su comunidad.
Previous Loan DetailsJose is a 45 year old day laborer and father of twelve children. He attended school until the third grade, because his family's finances did not allow him to continue his studies. However that hasn't prevented him from getting ahead. Providing for his large family's daily needs has entailed many ... More from José Ándres's previous loan »
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 CrediCampoThis 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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