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Cidha De La Cruz
Cidha is 42 years old and lives with her husband and son in a home of her own. She is a farmer and raises the basic grains, corn and beans. After the harvest, she sells part of it and uses the other part to supply her household needs which are constantly increasing. She is a very enterprising and admirable lady who’s most important goal in life is to earn her daily bread with dignity and by her own hand. She also has a small stand located within a school. She has worked in agriculture all her life and this is how she manages to survive, as she doesn’t have another source of income.

Like a visionary and enterprising woman, she decided to approach this institution now that planting season is approaching and she wants to be prepared. For this reason she is requesting a loan through INTEGRAL, so that she can invest in supplies such as seeds, insecticides, fertilizer, and others so that she can harvest as soon as possible and enjoy the fruits of her labor. She is confident that she will have an abundant harvest that will allow her to improve her family’s quality of life.
View original language description ↓

Cidha de 42 años de edad habita en casa de su propiedad junto con su esposo y su hijo. Ella se dedica a la agricultura de los principales granos básicos como son: maíz y frijol. Después de sacar la cosecha comercializa una parte de su cultivo para poder suplir las necesidades de su hogar que cada día son mayores. Ella es una mujer muy emprendedora y admirable lo más importante en la vida es ganarse el pan de cada día dignamente con el trabajo de sus manos además posee un pequeño chalet ubicado en una escuela. Ha trabajado toda su vida en la agricultura y es así como ha logrado sobrevivir, puesto que no cuenta con otra fuente de ingresos diferente a la agricultura. Como toda mujer emprendedora y visionaria ha tomado la decisión de acercarse a esta institución ya que la fecha para empezar las siembras se aproximan y quiere estar preparada. Es por esta razón que solicita este préstamo a INTEGRAL para invertir en la compra de los insumos agrícolas como: semillas, insecticidas, abonos u otros. Para comenzar la siembra lo más antes posible y poder cosechar los frutos de su esfuerzo. Confía plenamente que obtendrá una cosecha abundante la cual la cual le permitirá mejorar su calidad de vida y la de su familia.

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

  • $4,900
    Average annual income
  • 466
    View loans »
    El Salvador Loans Fundraising
  • $23,135,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Cidha De La Cruz to buy farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Irregularly
Pre-Disbursed:
Dec 20, 2012
Listed
Dec 25, 2012
Currency Exchange Loss:
N/A
Ended:
Jan 25, 2014