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Jose Alfredo
José is 46 years old and lives in his own house with his wife and kids. He makes a living growing grains, especially beans and other vegetables like radishes, cilantro, güisquil (a regional squash variety). With much hard work, José maintains two plots of land. On these he grows his crops in order to provide for his family. After sowing and reaping the harvest, José sells part of his yield and uses the rest to feed his family. This is his main source of income. José has many good references from the community. He is a hardworking, responsible, and honest man.

Each day, he feels like the necessities of his house are more and more. That is why he is requesting a loan from INTEGRAL: in order to buy supplies such as seeds, fertilizers, pesticides, etc. He hopes to increase the yield from his crops, which will allow him to get by day to day, seeing as he has no other source of income. José is hopeful and trusts that God will help him obtain positive results, and that he will achieve his dream of offering is family a better financial situation.
View original language description ↓
José de 46 años de edad, habita en casa de su propiedad junto con su esposa y sus hijos. Él se dedica al cultivo de granos básicos en especial frijoles, además legumbres comó rábano, cilantro, güisquil. Posee con esfuerzo dos terrenos, en los cuales realiza sus siembras, de esta forma brinda lo necesario a su familia. Después de cultivar y lograr la cosecha pone a la venta cierta parte de esta y otra para poder suplir el consumo en su hogar. Esta es su principal fuente de ingresos. Muchas personas dan buenas referencias de él ya que es un hombre trabajador, responsable y honesto. Cada día siente que las necesidades de su hogar son mayores por lo que ha decidido solicitar un crédito a INTEGRAL para comprar los insumos necesarios como: semillas, abonos, fertilizante, pesticidas entre otros. Para incrementar su cosecha y así le permita sobrevivir cada día ya que que no cuenta con otra fuente de ingreso. Espera y confía en Dios todo poderoso que obtendrá resultados positivos y logrará su sueño de brindar a su querida familia mejores condiciones económicas.

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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Alfredo to buy supplies such as seeds, fertilizer, pesticides, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 17, 2012
Oct 31, 2012
Currency Exchange Loss:
Nov 17, 2013