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Zoila Esperanza
Zoila Esperanza is 45 years old and lives with her family. She farms, has been raising corn for several years, and has gained lots of experience. This has helped her obtain good harvests which she sells all around the zone and has many customers. They know that everything she sells is of good quality, at good prices, and with excellent service. She also sells tortillas and it’s very profitable. Zoila is an enterprising woman with a great desire to get ahead and knows that she will create a better future with dedication and effort. She had some losses in her latest harvest and she wants to recover during this planting season by investing in supplies, so she has requested a loan through INTEGRAL. This will allow her to buy corn seed, fertilizer, insecticide, firewood, etc. Zoila Esperanza has a good payment record, is very responsible, and is sure that she will get out of debt and provide a better quality of life for her family.
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Zoila Esperanza de cuarenta y cinco años de edad vive junto a su familia; ella se dedica a la agricultura específicamente al cultivo de maíz, tiene varios años de dedicarse a este rubro por eso se ha hecho de gran experiencia, eso le ayuda a obtener muy buenas cosechas, comercia en todos los alrededores de la zona y ya tiene mucha clientela pues saben que todo lo que comercia es de muy buena calidad y aprecios accesibles además el servicio es excelente, para complementar los gastos del hogar también vende tortillas pues es muy rentable y ella se provee el maiz; Zoila es una mujer emprendedora con muchas ganas de salir adelante sabe que solo con esfuerzo y dedicación lograra un futuro mejor, en la última cosecha tuvo grandes pérdidas, en esta temporada de siembra quiere recuperarse invirtiendo en insumos por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, fertilizante, insecticida, leña etc. Zoila Esperanza tiene buenas referencias de pago, es muy responsable y está segura que saldara la deuda y a la vez 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
  • 604
    View loans »
    El Salvador Loans Fundraising
  • $28,040,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $625 helped Zoila Esperanza to buy farming supplies.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 19, 2012
Nov 25, 2012
Currency Exchange Loss:
Aug 18, 2013