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Elena is 69 years old and lives with her grandson. She works cultivating basic grains, specifically corn and beans. She has been working in agriculture for many years, and her significant experience allows her to obtain good harvests and remain ahead of the competition. The land that she works is leased and located in an easily accessible area close to the highway. She sells her products in the areas surrounding her community, and she has many loyal clients who prefer to work with her for her low prices and good service.

Elena is very hardworking, energetic, and responsible. She enjoys fighting for her dreams and she would never dream of giving up before reaching them. This planting season she would like to improve her earnings, but she needs investment capital in order to buy the inputs she needs. She is asking for a loan from Apoyo Integral to buy corn seeds, beans, fertilizer, insecticide and other tools. Elena has good references and is certain that she will be able to repay her debt, at the same time giving her family a better life.
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Elena de sesenta y nueve años de edad vive junto a su nieto, ella se dedica al cultivo de granos básicos especialmente maíz y frijol, tiene mucho tiempo de trabajar en este rubro y se ha hecho de experiencia que le da la oportunidad de obtener buenas cosechas y de mantenerse al mismo tiempo adelante de la competencia, el terreno donde realiza sus cultivos es arrendado y esta ubicado en una zona accesible cerca de la carretera, los productos de la siembra los comercia en los alrededores de la comunidad, tiene mucha clientela fiel que la prefieren porque siempre tiene lo que las personas desean a precios bajos y con un muy buen servicio; Elena es una mujer trabajadora, enérgica y responsable, le gusta luchar por sus sueños y no piensa rendirse planea alcanzar el éxito, en esta cosecha quiere aumentar la producción porque así lograra aumentar las ganancias pero necesita de capital para comprar insumos por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, abono, insecticida, herramienta, etc. Elena tiene buenas referencias de pago y una moral intachable tiene la certeza que cancelara la deuda y a la vez le dará a su familia una vida plena.

Additional Information

More information about this loan

This loan is part of Apoyo Integral's program to help subsistence farmers located in high-risk regions of El Salvador, including coastal strips, river banks, and volcano fault lines. The program, which offers reduced interest rates, targets farmers who don't qualify for formal funding due to their low-income and geographical risk. By funding this loan, you are helping Apoyo and a local non-governmental organization extend risk-tolerant credit to even more farmers.

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
  • 713
    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 $700 helped Elena to buy corn seeds, beans, fertilizer, insecticide and tools.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jul 15, 2012
Aug 10, 2012
Currency Exchange Loss:
Feb 21, 2014