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Beralis is 38 years old and lives with her life companion and their children. She is a farmer and has worked in the agricultural trade for many years. More specifically, she grows coffee and has gained plenty of experience that has helped her obtain better harvests. The land that she farms is located in an area that has a high frequency of agricultural activity and is close to her home, thus making it very accessible for her to get to work. Beralis sells her crops in all of the areas surrounding her community. She has acquired many customers who prefer to do business with her because she always has what they need. Her products are of good quality and offered at affordable prices, but most of all, she provides excellent service.

Beralis is an energetic and determined woman who is dedicated to her work. Every day she wakes up eager to achieve her objectives. She strives to give her best effort so that she can reach the level of success that she desires. During the last crop cycle, she did not achieve the level of earnings that she had hoped, so she wants to make up ground by the end of this planting season. For this reason, Beralis is requesting a loan from Apoyo Integral so that she can buy coffee seeds, insecticides, herbicides, tools, and other supplies. She has good credit references who attest to her ability to repay this debt. Beralis has faith that she can provide her family a better quality of life.

View original language description ↓
Beralis de treinta y ocho años de edad vive junto a su compañero de vida y sus hijos; Ella se dedica a la agricultura específicamente al cultivo de café tiene varios años de trabajar en el rubro y ha ganado mucha experiencia que le permite obtener las mejores cosechas, el terreno donde cultiva es de alta incidencia agrícola y esta muy cercano a su vivienda muy accesible para trabajar, comercia en todos los alrededores de la comunidad y ya tiene mucha clientela que la prefiere porque siempre posee lo que necesitan, con producto de calidad, a precios accesibles pero sobre todo con un excelente servicio; Beralis es una mujer dedicada a su labor, enérgica y luchadora, todos los días se levanta dispuesta a lograr sus objetivos, se esfuerza al máximo pues sabe que así alcanzara el éxito que desea, en la ultima temporada de siembra no pudo obtener las ganancias esperadas por eso en este periodo de siembra quiere recuperarse y realizar una nueva inversión para ello le solicita a INTEGRAL un crédito que le permita comprar semilla de café, insecticida, herbicida, herramienta, etc. Beralis tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez tiene fe que le dará 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
  • 745
    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 $1,000 helped Beralis to buy coffee seeds, insecticides, herbicides, tools, and other supplies.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Oct 11, 2012
Oct 30, 2012
Currency Exchange Loss:
Aug 18, 2013