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Julio Cesar
Julio, 54, lives in his own home together with his life companion and children. He has worked in agriculture for many years. He cultivates basic grains like rice, beans, and corn. Every year, he repeats this activity, since it is the only way he knows to make a living. He is a very hardworking, responsible, and enterprising person. He lives in very humble conditions with his family, but this does not get their spirits down, but rather gives them the strength to keep fighting for a different quality of life. He works very hard to bring the daily bread home because there is no source of income apart from agriculture. This is why he decided to apply for a loan from INTEGRAL and invest it in the purchase of basic supplies like manure, fertilizer, and pesticides. With a lot of trust in God and in his work, he hopes to have an abundant harvest, part of which he can sell and part of which he can keep to consume. He is very responsible with his payments and has never had an big problems. He is very responsible and on time with his payments. He hopes to achieve his dream of giving his family a better quality of life.
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Julio de 54 años de edad, habita en casa de su propiedad junto con su compañera de vida y sus hijos. Él se dedica a la agricultura desde hace muchos años. Julio cultiva los principales granos básicos como: arroz, frijoles y maíz. Cada año repite esta actividad ya que es la única forma que conoce para ganarse la vida. Es una persona muy trabajadora, responsable y emprendedora. Vale la pena mencionar que vive en condiciones muy humildes junto con su familia, pero esta situación no lo desanima si no que le dá fuerzas para continuar luchando por una calidad de vida diferente. Trabaja muy duro para llevar el pan de cada día a su hogar ya que no cuenta con otra fuente de ingresos diferente a la agricultura. Es por esta razón que ha tomado la decisión de solicitar un crédito a INTEGRAL e invertir en la compra de insumos básicos como abonos, fertilizantes y pesticidas. Con mucha confianza en Dios y en su trabajo espera tener una cosecha abundante de la cual pueda vender una parte y dejar otra parte para el consumo. Cabe mencionar que es muy responsable con sus pagos y nunca a tenido mayores inconvenientes. Se caracteriza por ser muy puntual y responsable en lo que tenga que pagar. Espera cumplir su sueño de dar 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
  • 845
    View loans »
    El Salvador Loans Fundraising
  • $28,317,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Julio Cesar to buy basic supplies like manure, fertilizer, and pesticides.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Oct 4, 2012
Oct 26, 2012
Currency Exchange Loss:
Jan 19, 2013