Forty-seven-year-old Oscar Hernán lives with his life partner and their children. He grows corn, sorghum, and watermelons for a living. He has been working in agriculture for several years and he has gained valuable experience that allows him to produce better harvests. His cultivated land is in an area that is highly effective for farming and it is very close to his home. He sells in all the areas surrounding his community and he has a large clientele because people know that everything he sells is of top quality at reasonable prices, plus he offers great customer service. Oscar is a fighter full of goals and dreams. He wants to work hard to achieve his goals and he does not plan on giving up. He wants to increase his yield, but for that he needs to invest, which is why he is asking INTEGRAL for a loan that will allow him to buy corn and sorghum seed, fertilizer, tools, etc. Oscar Hernán has good credit references and guarantees he will be able to repay his debt. He also hopes to be able to give his family the full life they deserve.
Oscar Hernán de cuarenta y siete años vive junto a su compañera de vida y sus hijos, él se dedica al cultivo de maíz, maicillo y sandia, tiene varios años trabajar en la agricultura y se ha hecho de experiencia valiosa que le permite obtener las mejores cosechas, el terreno de cultivo esta ubicado en una zona de alta incidencia agrícola y esta muy cercano a su vivienda, comercia en todos los alrededores de la comunidad y tiene mucha clientela pues las personas saben que todo lo que comercia es de primera calidad y a precios accesibles además posee un buen servicio; Oscar es un hombre luchador, lleno de metas y sueños, él quiere trabajar duro para alcanzar sus objetivos y no piensa darse por vencido, quiere aumentar la producción pero necesita invertir por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, maicillo, abono, herramienta, etc. Oscar Hernán tiene buenas referencias de crédito y asegura poder saldar la deuda además tiene la esperanza de poder darle a su familia una vida plena como se la merecen.
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.