37-year-old Ismael Antonio lives with his life partner and his children. He grows corn and beans. He has worked in agriculture for several years and he has gotten valuable experience, which allows him to obtain the best crops. When he's not working on his crops, he works as a day laborer and a bricklayer, because this helps him pay for his household expenses. The plot of land where he sows is located in a highly agricultural area that's very close to his home. He makes his sales in all the neighboring areas and he has gotten a lot of customers. His customers prefer to go to him because everything he sells is high quality at accessible prices, and he provides good service. Ismael is an active man who's dedicated to his work and has a lot of drive to get ahead. He's always seeking opportunities that allow him to succeed. He believes in working hard and persistently so that he doesn't give up halfway through. In the last few harvests he had many problems and losses, and he wishes to recover. He'll make a new investment which will allow him to increase production. For that reason he requests a loan from INTEGRAL so that he can purchase corn and bean seeds, fertilizer, insecticide, tools, etc. Ismael has a good credit record and he guarantees that he'll be able to repay the debt. At the same time, he hopes that he'll bring financial stability to his household.
Ismael Antonio de treinta y siete años de edad vive junto a su compañera de vida y sus hijos, él se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y ha ganado experiencia valiosa que le permite obtener las mejores cosechas, cuando no trabaja en sus cultivos labora de jornal y albañil pues eso le ayuda a completar los gastos del hogar, el terreno donde siembra esta ubicado en una zona de alta incidencia agrícola y muy cercano a su vivienda, comercia en todos los alrededores de la comunidad y se h hecho de mucha clientela que la prefiere porque todo lo que vende es de primera calidad, a precios accesibles y con un buen servicio; Ismael es un hombre activo, entregado a su labor y con muchas ganas de salir adelante, siempre esta buscando oportunidades que le permitan alcanzar el éxito, piensa trabajar con esfuerzo y constancia para no rendirse en el camino; en las ultimas cosechas tuvo muchos problemas y perdidas y desea recuperarse, hará una nueva inversión que le permita aumentar la producción por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, abono, insecticida, herramientas, etc. Ismael tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez tiene esperanza que llevara a su hogar seguridad económica.
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.