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Leo Hernández, age 26, lives in his own house with his life partner and his son. He has been farming for many years. Each year he plants cilantro, which is his main source of income. This is the way he earns a living and supports his household.

His dream is to improve his quality of life and that of his family. This is because they live in very humble conditions, and he wishes to give them something better. This motivates him to work with more enthusiasm. This is because with great effort and work he will manage to give his family what he wants so much.

That is why he decided to approach Integral in order to request this new loan. The loan will allow him to invest in agricultural supplies like fertilizers and insecticides, etc. He needs this to cultivate the land and to continue bringing home the daily bread.
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Leo Hernández de 26 años de edad habita en casa de su propiedad junto con su compañera de vida e hijo. Él se dedica a la agricultura desde hace muchos años. Cada año realiza la siembra de cilantro, dicha actividad es su principal fuente de ingresos y es de esta forma como se gana la vida y lleva el sustento a su hogar. Su sueño es mejorar su calidad de vida y la de su familia ya que viven en condiciones muy humildes y desea darles algo mejor. Esto lo motiva a trabajar con más entusiasmo ya que con mucho esfuerzo y trabajo logrará dar a su familia lo que tanto desea. Es por eso que ha tomado la decisión de acercarse a INTEGRAL para solicitar este nuevo crédito que le permita invertir en los insumos agrícolas como abonos, insecticidas, etc. necesarios para el cultivo de la tierra y continuar llevando el pan de cada día a 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
  • 746
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $425 helped Leo to buy agricultural supplies like fertilizers and insecticides, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jul 25, 2012
Aug 14, 2012
Currency Exchange Loss:
Jun 18, 2013