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Osmin
Osmin lives with his family. He is a farmer, raises corn and beans, and has been doing this for a number of years. He has lots of experience that allows him to have better harvests. In order to pay the household expenses, he also sells fish and tamales when he is not farming. His farmland is located in a highly agricultural location and he sells all around the community. He has many customers who prefer to buy from him because of the good quality, prices, and service he offers.

Osmin is a hardworking man dedicated to his work. Each day he makes a great effort to get ahead because he knows that this is the way he will succeed the way he wants to. He wants to take advantage of a new investment during this planting season but he needs capital, so he has requested a loan through INTEGRAL. This will allow him to buy corn and bean seeds, fertilizer, insecticide, tools, fish, tamales, etc. Osmin has a good payment history and knows that he can repay this loan and provide his family with a better quality of life.
View original language description ↓
Osmin vive junto a su familia, él se dedica a la agricultura específicamente al cultivo de maíz y frijol, tiene varios años de trabajar en el rubro eso le ha regalado mucha experiencia que permite obtener las mejores cosechas, además cuando no cultiva para complementar los gastos del hogar vende pescado y tamales, el terreno de siembra esta ubicado en un lugar de alto potencial agrícola, comercia en todos los alrededores de la comunidad, ya tiene mucha clientela pues las personas lo prefieren porque todo el producto es de primera calidad y a precios accesibles además de un excelente servicio; Osmin es un hombre entregado a su labor, luchador día a día se esfuerza por salir adelante sabe que solo con esfuerzo y constancia logrará el éxito que tanto desea, en esta temporada de siembra quiere aprovechar y realizar una nueva inversión pero necesita de capital por eso le solicita INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, abono, insecticida, herramientas, pescado, tamales etc. Osmin tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez confía que le dará a su familia una mejor 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
  • 785
    View loans »
    El Salvador Loans Fundraising
  • $26,231,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Osmin to buy farming supplies and seeds.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 22, 2012
Listed
Nov 30, 2012
Currency Exchange Loss:
N/A
Ended:
Jan 19, 2013