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Gumercindo is 57 years old. He is well-known in his area for being a very hardworking and responsible person. He grows corn and beans on a few small parcels of land. He also has a small herd of livestock, as farming is is main economic activity.

He and his wife and children work together to plow the land and to plants and take care of the crops, which they then sell. With the hope of being able to grow his business and expand his customer base, he is seeking a loan from INTEGRAL. He greatly desires to buy a greater quantity of seeds to sow, and also to purchase some containers to keep the seeds fresh. Additionally, he wants to buy pesticide.

Gumercindo wants to do the best possible job that he can. This will ensure that he has satisfied customers that will return to purchase his products again. This will have a very positive effect on the growth of his business as well as his household finances.
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Gumercindo de 57 años de edad, es una persona muy conocida en su lugar de residencia por ser muy responsable y trabajador, el se dedica a la siembra de maíz y frijoles, lo que realiza en unas pequeñas parcelas, así mismo posee un pequeño ganado, siendo la agricultura la actividad principal. Gumercindo junto a su esposa e hijos realiza la actividad de arar la tierra, sembrar y cuidar de los cultivos, que posteriormente comercializan. Con el anhelo de hacer crecer su negocio y aumentar la cantidad de clientes y así mismo sus ventas, Julio solicita un préstamo a INTEGRAL, esto con el enorme deseo de comprar mayor cantidad de semillas para sembrar, así mismo para adquirir algunos compartimientos para conservar los granos frescos, y también para comprar pesticidas. Gumercindo desea realizar lo mejor posible su trabajo, ya que de esta forma podrá contar con clientes satisfechos que regresarán nuevamente a comprar sus productos lo que es muy positivo para el crecimiento de su negocio y la economía de su hogar.

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
  • 888
    View loans »
    El Salvador Loans Fundraising
  • $28,305,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Gumercindo to buy corn and beans for planting.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jul 5, 2012
Aug 10, 2012
Currency Exchange Loss:
May 17, 2013