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Jose Lazaro
José Lázaro is 46 years old and lives with his spouse and their two children in their own home. He grows corn and beans and has done so for many years with great results. He also sells cattle and works for a small salary. He is well-known in the town where he lives and has worked in agriculture in many areas in the region. José sells his products in the surrounding areas and he has acquired many customers because everything he sells is of the highest quality at low prices. He also provides excellent customer service.

José is a visionary and an entrepreneurial man. He has great expectations for the future and is working toward becoming a wholesale merchant. He wants to invest in his business so that he can increase his corn and bean yields in almost two acres of land, but he needs money to do so. Therefore, he is seeking a loan from INTEGRAL so that he can buy corn and bean seeds, fertilizers, insecticides, etc.

José Lázaro has great references and he is very responsible. He is certain that he will be able to repay his loan and be able to provide his family with a better life.
View original language description ↓
José Lázaro de cuarenta y seis años de edad vive junto a su compañera de vida y sus dos hijos en casa propia, él se dedica al cultivo de maíz y frijol tiene varios años de trabajar en la agricultura y le ha dado muy buenos resultados, adicional a esta labor vende ganado bovino, y trabaja de jornal por un pequeño salario, es muy conocido en la localidad donde reside pues realiza labores agrícolas en todo el lugar; José comercia en los alrededores, se ha hecho de mucha clientela ya que todo lo que vende es de muy buena calidad y a precios accesibles además el servicio es excelente; José es un hombre emprendedor muy visionario, tiene grandes expectativas para el futuro y se está esforzando para ser un comerciante de mayoreo, quiere invertir para aumentar la producción del maíz y frijol en casi dos manzanas de terreno pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, fertilizante, insecticida, etc. José Lázaro tiene buenas recomendaciones de pago y es muy responsable, está seguro que podrá saldar el financiamiento y a la vez darle a su familia una vida mejor.

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
  • 673
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Jose Lazaro to buy corn and bean seeds, fertilizers, and insecticides.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 23, 2012
Jun 6, 2012
Currency Exchange Loss:
Jan 19, 2013