Manuel Antonio lives with his life partner and children. He raises corn, beans, and rice, and raises livestock at the same time. He’s been involved in agriculture for many years and is proud of it because he has been able to gain much experience which allows him to improve his harvests. He owns his farmland and it’s located in a very agricultural zone. His family helps him sell in many of the surrounding areas and he has many customers who prefer to buy from him because of the quality of the products, good prices, and good service.
Manuel is an enterprising man, dedicated to his work, with a desire to succeed. He had some losses the previous season and did not get his expected income, so he wants to increase his production this season so that he can recover. He doesn’t have the necessary capital and he must make all purchases in cash, so he has requested a loan through INTEGRAL that will allow him to buy corn, bean, and rice seeds, fertilizer, tools, livestock, etc. Manuel Antonio is very responsible and has good credit references. He is certain that he will be able to repay the loan and improve his family’s quality of life.
Manuel Antonio vive junto a su compañera de vida y sus hijos, él se dedica al cultivo de maíz y frijol y arroz y al mismo tiempo a la crianza de ganado tiene muchos años de dedicarse a la agricultura y se siente orgulloso porque ha logrado obtener mucha experiencia que le permitirá día con día mejorar sus cosechas, las tierras de cultivo son propias y están ubicadas en una zona muy agrícola, el recibe todo el apoyo de su familia ellos le ayudan a comerciar en todos los lugares aledaños ya tiene mucha clientela pues la gente lo prefiere por la calidad del producto por los buenos precios y por el buen servicio; Manuel es un hombre emprendedor, dedicado a su labor siempre esta con las ganas de superarse y llegar al éxito, la temporada pasada tuvo pérdidas y no logró las ganancias esperadas, por eso para esta siembra quiere aumentar la producción y recuperarse pero necesita de capital que lo respalde porque todas sus compras son al contado, es así como decidió solicitarle a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, arroz, fertilizante, herramientas, ganado etc. Manuel Antonio es responsable con buenas referencias crediticias tiene la certeza que podrá cancelar el financiamiento y a la vez darle a su familia una mejor calidad de vida.
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.