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Fermín Del Carmen
Fermín del Carmen is 65 years old. He lives in the house he owns with his son. He has grown corn and beans for several years. He is an incredible man, who despite his advaned years doesn't tire of working. Day after day he gets up very early to work on his crops to have an abundant harvest. Fermín is a man who has worked hard his whole life. This has made him the beneficiary of a pension. It isn't alot but what he gets helps his finances. With the income he receives from the farming he is able to cover the rests of his necesities and help his family. It is worth mentioning that he is a working man who is responsible and dedicated to what he does. Since planting time is already here, he has decided to ask for this loan from INTEGRAL. He doesn't have the financial resources to do it on his own. He wants to invest in buying agricultural materials such as: fertilizer, insecticides and seeds. He hopes to have favorable results that will allow him to achieve his dream: to keep supporting his home and doing what he likes so much.
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Fermín del Carmen de 65 años de edad, habita en casa de su propiedad junto con su hijo. El se dedica al cultivo de maíz y frijol, desde hace muchos años. Es un hombre increíble que a pesar de su avanzada edad no se cansa de trabajar. Día con día se levanta muy temprano para dedicarse a sus cultivos y así lograr una cosecha abundante. El señor Fermín es un hombre que ha trabajado mucho durante toda su vida, eso lo ha hecho acreedor de una pensión que aunque no es mucho lo que recibe le ayuda con su economía. Con los ingresos que recibe de la agricultura logra cubrir el resto de necesidades y ayudar a su familia, vale la pena mencionar que él es un hombre de trabajo, responsable y dedicado en lo que hace. Dado que la temporada para la siembra ya se hizo presente ha tomado la decisión de solicitar este crédito a INTEGRAL ya que no cuenta con los recursos económicos necesarios para hacerlo por su cuenta. Desea invertir en la compra de insumos agrícolas como: abono, insecticidas, y semillas. Espera tener resultados favorables, que le permitan logar su sueño, de continuar llevando el sustento a su hogar y haciendo lo que tanto le gusta.

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
  • 844
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Fermín Del Carmen to buy fertilzer, seeds, insecticides, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jul 14, 2012
Aug 10, 2012
Currency Exchange Loss:
Sep 15, 2012