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Marcos Cosme
Marcos Cosme is twenty two years old. He lives with his life's compnain and their children. He grows corn and tomatoes. He has been a farmer for many years and has a lot of experience. His land is located in a very agricultural area and close to his house. He sells in all of the nearby towns and has a lot of customers because all of what he sells is of the best quality, at an accessible price, and with good service. He also has another small job at the communal house in town to help meet his household expenses. Marcos is an enterprising, responsible, honest and above all humble man. He likes to take advantage of every opportunity that presents itself. At this time he wants to increase his crop buts he needs materials and capital to buy them, because he always pays for them upfront. That is why he decided to ask INTEGRAL for a loan that will allow him to buy corn and tomato seeds, fertilizer, herbicides, tools, etc. Marcos Cosme has good payment references. He is sure that he will be able to pay the loan succesfully and give his family a better quality of life.
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Marcos Cosme de veintidós años de edad vive junto a su compañera de vida y sus hijos; él se dedica al cultivo de maíz y tomate, tiene varios años de dedicarse a la agricultura y se ha hecho de mucha experiencia, su terreno está ubicado en una zona de alta incidencia agrícola y cerca de su residencia, el comercia en todas las zonas aledañas y ya tiene mucha clientela pues todo lo que vende es de primera calidad, a precios accesibles y con un buen servicio además para complementar con los gastos del hogar posee otro pequeño trabajo en la casa comunal del municipio; Marcos es un hombre emprendedor, responsable, honesto pero sobre todo humilde, le gusta aprovechar cada oportunidad que se le presenta, en esta ocasión quiere aumentar la siembra pero necesita de insumos y de capital para comprarlos ya que siempre lo realiza al contado, por eso se decidió a solicitarle a INTEGRAL un crédito que le permita comprar semilla de maíz, tomate, fertilizante, herbicida, herramienta, etc. Marcos Cosme tiene buenas referencias de pago, tienen la seguridad de que lograra pagar la deuda con éxito y a la vez darle a su familia una mejor calidad de vida.

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
  • 727
    View loans »
    El Salvador Loans Fundraising
  • $27,061,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $500 helped Marcos Cosme to buy corn and tomato seeds and fertilizer, herbicides and tools.
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 18, 2012
Jun 4, 2012
Currency Exchange Loss:
Jul 4, 2012