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Álvaro is 36 years old and lives in a home of his own, along with his wife and son. He has been a farmer for many years and raises basic grains such as rice, beans, and corn. Each year he repeats this activity and it’s the only way he knows to earn a living. He is a hardworking, enterprising person and lives under very humble conditions with his family, but this situation does not diminish him, instead it strengthens him to continue working toward a different quality of life for his family. He works hard to bring home the bacon, since he doesn’t have another source of income, other than farming. It’s for this reason that he has decided to request a loan though INTEGRAL so that he can invest in compost, fertilizer, pesticides, and seeds. With his faith in God and his hard work, he hopes to have an abundant harvest. He will sell part of it and use the rest for personal consumption. He hopes to achieve his dream of providing a better quality of life for his family.
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Álvaro de 36 años de edad y habita en casa de su propiedad junto con su compañera de vida y su hijo. Él se dedica a la agricultura desde hace muchos años. Álvaro cultiva los principales granos básicos como: arroz, frijoles y maíz. Cada año repite esta actividad ya que es la única forma que conoce para ganarse la vida. Es una persona muy trabajadora, responsable y emprendedora. Vale la pena mencionar que vive en condiciones muy humildes junto con su familia, pero esta situación no lo desanima si no que le da fuerzas para continuar luchando por una calidad de vida diferente. Trabaja muy duro para llevar el pan de cada día a su hogar ya que no cuenta con otra fuente de ingresos diferente a la agricultura. Es por esta razón que ha tomado la decisión de solicitar es préstamo a INTEGRAL para invertir en la compra del abono, fertilizantes, pesticidas y semillas. Con mucha confianza en Dios y en su trabajo espera tener una cosecha abundante de la cual pueda vender una parte y dejar otra parte para el consumo. Espera cumplir su sueño de dar 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
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $28,084,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Alvaro to buy farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Nov 30, 2012
Dec 17, 2012
Currency Exchange Loss:
Dec 19, 2013