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María Virginia
María Virginia is an exceptional woman and above all quite an example since she’s very enterprising and works hard to be able to move her family forward. She does everything in her power to earn her livelihood honestly since for her what’s most important is that her family has everything necessary to subsist.

She and her husband grow basic grains and pumpkins. Year to year they prepare for the new planting which they hope will be abundant. María has very good credit and personal references. Her customers prefer her because when she takes in her harvest everything she sells is good quality and her prices are good. All this has given her prestige in the community. All the above has motivated her to request this loan from INTEGRAL to invest in supplies (manure, pumpkin seeds, insecticide, etc.) needed for the pumpkin crops since it’s one of the crops that most benefits her and produces additional income to contribute to the household. She hopes this harvest will produce enough income to repay the loan and to continue injecting into the family economy.
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María Virginia, es una mujer excepcional y sobre todo ejemplar ya que es muy emprendedora y trabaja duramente para poder sacar a delante a su familia. Hace todo lo que esté en sus manos para ganarse la vida honradamente ya que para ella lo más importante es que su grupo familiar cuente con lo necesario para subsistir. Ella y su esposo se dedican al cultivo de granos básicos y pipianes. Año con año se preparan para la nueva cosecha la cual esperan sea muy abundante. La señora María cuenta con muy buenas referencias crediticias y personales. Sus clientes la prefieren ya que cuando saca la cosecha ofrece productos de calidad, a muy buenos precios, todo esto le ha dado prestigio en su comunidad. Todo lo anterior la han motivado a solicitar este crédito a INTEGRAL para invertir en los insumos (abonos, semilla de pipián, insecticidas, etc.) necesarios para el cultivo de pipián ya que es uno de los cultivos que más le favorece y le permite percibir otros ingresos para colaborar con la economía del hogar. Con la cosecha espera obtener los ingresos necesarios para la cancelación del préstamo y para continuar inyectando a la economía familiar.

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
  • 720
    View loans »
    El Salvador Loans Fundraising
  • $27,126,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped María Virginia to buy farm supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Jul 21, 2012
Aug 13, 2012
Currency Exchange Loss:
Sep 15, 2012