José Feliciano, 28 years old, lives together with his life partner and his child. He makes a living in agriculture, specifically in the cultivation of corn and sorghum. He has 10 years of experience in the field and that has brought him great benefits, because he improves his work day by day and obtains quality harvests. The plot of land is suitable for planting and is located in an area of agricultural impact. He does business in all of the surrounding areas of the community and already has many customers since the people prefer him for the quality of the product and for the low prices as well as the good service. José is a man devoted to his work, motivated, always looking for better alternatives that will lead toward a more prosperous future for him. He trusts that if he doesn’t stop struggling he will achieve great goals.
In this planting season he wants to increase production and doesn’t possess the sufficient capital. For this reason he is applying to Integral for a loan that will permit him to buy corn and sorghum seeds, manure, tools, etc. José Feliciano has a good credit record, therefore assuring that he will be able to settle the debt and at the same time he will give his family a better life.
José Feliciano con veintiocho años de edad vive junto a su compañero de vida y su hijo, ella se dedica a la agricultura específicamente al cultivo de maíz y maicillo, tiene diez años de experiencia en el rubro y eso le ha traído grandes beneficios, porque mejora su trabajo día con día y obtiene cosechas de calidad, el terreno de cultivo es apto para la siembra y esta ubicado en una zona de incidencia agrícola, comercia en todos los alrededores de la comunidad y ya tiene mucha clientela pues las personas lo prefieren por la calidad del producto y por los precios bajos además del buen servicio; José es un hombre entregado a su labor, motivado, siempre buscando las mejores alternativas que le den paso a un futuro mas prospero, confía en que si no deja de luchar alcanzara grandes metas. En esta temporada de siembra quiere aumentar la producción y no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, maicillo, abono, herramientas, etc. José Feliciano tiene buen record crediticio, por lo que asegura que podrá cancelar la deuda y al mismo tiempo le dará a su familia una vida mejor.
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.