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Carlos Ernesto
Carlos Ernesto is 32 years old and lives with his life companion and their children. He has engaged in agriculture for many years, especially the cultivation of corn and beans. Carlos has gained plenty of experience, which enables him to achieve a better product with each harvest. He is happy because he has increased his customer base thanks to the quality of his products and the affordable prices that he offers at the time he sells them. In addition, he provides good service and exact weights.


Carlos is a man who is hardworking, active, but most of all, optimistic. He knows that he can achieve success in the future through effort and perseverance. Carlos wants to expand his sales territory, but he needs additional capital so that he can invest more in production. For this reason, he is requesting a loan from Apoyo Integral so that he can buy corn and bean seeds in bulk, fertilizers, and pesticides. Carlos Ernesto has good credit experience. The loans he has managed have been repaid on time. This is why he is certain that he can repay this debt in the established time frame. At the same time, he will be able to provide his family with the quality of life that they deserve.

View original language description ↓
Carlos Ernesto de treinta años de edad vive junto a su compañera de vida y sus hijos, el se dedica a la agricultura desde hace ya mucho tiempo, cultiva especialmente maíz y frijol, se ha hecho de mucha experiencia y obtiene el mejor producto de cada cosecha, está feliz porque ha aumentado su clientela gracias al producto de calidad y a los precios accesibles que les ofrece a la hora de venderlos, además de un buen servicio y peso exacto; Carlos es un hombre trabajador, activo pero sobre todo optimista, el sabe que en un futuro con su esfuerzo y perseverancia podrá alcanzar el éxito, quiere expandir las zonas de comercio pero para eso necesita invertir más en la producción y necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz y frijol por mayor, fertilizantes y controles de plaga. Carlos Ernesto tiene muy buena experiencia crediticia, los financiamientos que ha manejado han sido pagados con puntualidad, es por eso que tiene la certeza que podrá saldar la deuda en el tiempo establecido y al mismo tiempo podrá otorgarle a su familia la calidad de vida que se merecen.

Additional Information

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About El Salvador

  • $7,500
    Average annual income
  • 761
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Carlos Ernesto to buy corn and bean seeds in bulk, fertilizers, and pesticides.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
May 4, 2012
Listed
May 28, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013