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Rafael Arnoldo
Rafael Arnoldo is 24 years old and lives with his life partner. He works harvesting basic grains, specifically corn and beans and has worked for several years in agriculture as he learned the job from his father as a young boy. It has proved to be a very valuable experience that allows him to put a hundred percent to the job. The land is located in area of great agricultural potential and is close to his home. Everything that he produces is sold around the community since he has a lot of customers and people seek him because he always has the best prices and his product is first rate and provides excellent service. Rafael is an enterprising man with the drive to get ahead in life and hopes that perseverance and dedication will be the keys to achieving success and he wants to continue to the end. This harvest season, Rafael would like to increase his production but he does not have enough capital, which is why he went to INTEGRAL for a loan that will allow him to buy corn and bean seeds, manure, insecticides, tools, etc. Rafael Arnoldo has good payment references, an untouchable moral character, and is certain that he will pay off his debt as well as giving his family a better quality of life.
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Rafael Arnoldo de veinticuatro años de edad vive junto a su compañero de vida, él se dedica al cultivo de granos básicos especialmente el maíz y frijol, tiene varios años de trabajar en la agricultura pues desde pequeño aprendió el oficio junto a su padre, se ha hecho de experiencia muy valiosa que le permite poner el cien porciento en la labor, el terreno de cultivo esta ubicado en una zona de gran potencial agrícola y cercano a su vivienda, todo lo que produce lo vende en los alrededores de la comunidad ya tiene mucha clientela y las personas lo buscan porque siempre tiene buenos precios y producto de primera calidad además de un servicio excelente; Rafael es un hombre emprendedor con muchas ganas de salir adelante, piensa que la perseverancia y la dedicación son la clave para llegar al éxito, y él quiere perseverar hasta el final, en esta temporada de siembra quiere aumentar la producción pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, abono, insecticida, herramienta, etc. Rafael Arnoldo cuenta con buenas referencias de pago y uno moral intachable, tiene la certeza que cancelara la deuda al mismo tiempo 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
  • 738
    View loans »
    El Salvador Loans Fundraising
  • $26,311,375
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Rafael Arnoldo buy corn and bean seeds, manure, insecticides, tools, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Oct 23, 2012
Oct 30, 2012
Currency Exchange Loss:
Jan 25, 2014