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Isabel Del Carmen
Isabel del Carmen, 24, lives with her family and makes a living growing corn and beans. She has several years of experience in agriculture and this has given her a lot of experience, which allows her to get the best harvests. The land she cultivates has a high growing potential and very fertile soil. It's also close to her home. She sells everything she produces around her community. She has a lot of customers who prefer her for the quality, good prices, and especially her excellent service.

Isabel is a pleasant, enterprising woman who is dedicated to her job and very much wants to get ahead. Every day she makes the maximum effort because she knows that's how she'll realize every one of her goals.

In the last planting season she had some losses and wants to recover. She needs to invest, so she's asking Integral for a loan to buy corn seed, beans, insecticide, herbicide, etc.

Isabel del Carmen has a good payment record among her acquaintances and is very responsible. She's certain that she'll be able to repay the debt within the established time period and also trusts that she'll bring financial security to her household.
View original language description ↓
Isabel del Carmen de veinticuatro años de edad vive junto a su familia, ella se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, la tierra de cultivo tiene un alto potencial agrícola y un suelo muy fértil además esta cercano a su vivienda, todo lo producido lo comercia en los alrededores de la comunidad, ya tiene mucha clientela que lo prefiere por la calidad, los buenos precios y sobre todo por el servicio excelente; Isabel es una mujer amable, emprendedora, dedicada a su labor y con muchas ganas de salir adelante, todos los días se esfuerza al máximo porque sabe que asi alcanzara cada una de las metas que se proponga, en la ultima temporada de siembra tuvo algunas perdidas y quiere recuperarse, necesita invertir por eso le solicita a INTEGRAL un credito que le permita comprar semilla de maíz, frijol, insecticida, herbicida, etc. Isabel del Carmen tiene buenas referencias de pago por parte de sus conocidos, y es muy responsable, asegura que podrá cancelar la deuda en el periodo establecido y a la vez confía que llevara a su hogar seguridad económica.

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
  • 700
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Isabel Del Carmen to buy corn, beans, insecticide, and herbicide.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 27, 2012
Oct 19, 2012
Currency Exchange Loss:
Jun 18, 2013