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Heriberto Antonio
Heriberto Antonio is 38, and lives with his life partner Vilma and their four children. He grows corn and beans, and has several years of working in agriculture. He learned the occupation from a very young age, and that has endowed him with a great deal of experience. He feels proud, because he has always done an excellent job and has the best harvests, which give him the chance to stay ahead of his competitors.

His farmland is located in an accessible area, suitable for farming. Everything he produces he sells in the area surrounding the community, as he has a lot of customers who prefer him because he always has what they need at affordable prices, with quality product and good service.

Heriberto is a man devoted to his work; honest, very responsible, and always expecting new opportunities that will pave the way to success. He relies on himself to meet those objectives, as he knows that although the wait may be long, he will always get his reward.

He wants to increase production in this planting season, but needs working capital. That is why he is applying to Intergral for a loan that will allow him to buy corn and bean seeds, fertilizer, tools, insecticides, etc.

Heriberto Antonio has good payment references, and says that he will be able to pay off the debt, and at the same time give his family a better quality of life.
View original language description ↓
Heriberto Antonio de treinta y ocho años de edad vive junto a su compañera de vida Vilma y sus cuatro hijos, él se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura desde muy joven aprendió el oficio y eso le ha regalado mucha experiencia, se siente orgulloso porque siempre realiza un trabajo excelente y obtiene las mejores cosechas que le dan la oportunidad de mantenerse adelante de su competencias, el terreno de cultivo esta ubicado en una zona accesible y apta para el cultivo, todo lo que produce lo comercia en los alrededores de la comunidad, ya tiene mucha clientela que lo prefieren porque siempre tiene lo que necesitan a precios accesibles y con producto de calidad además con un buen servicio; Heriberto es un hombre dedicado a su labor, honesto y muy responsable siempre esta a la expectativa de nuevas oportunidades que le abran paso al éxito, confía en si mismo para cumplir esos objetivos pues sabe que aunque la espera sea larga siempre obtendrá su recompensa, en esta temporada de siembra quiere aumentar la producción pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, abono, herramienta, insecticida, etc. Heriberto Antonio tiene buenas referencias de pago, segura poder saldar la deuda y a la vez darle a su familia una mejor calidad de vida.

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
  • 748
    View loans »
    El Salvador Loans Fundraising
  • $27,037,475
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Heriberto Antonio to buy corn and bean seeds, fertilizer, tools and insecticide.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jul 29, 2012
Aug 19, 2012
Currency Exchange Loss:
Oct 16, 2012