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Saul Oswaldo
Saúl is 51 years old and lives in a home of his own with his wife and children. He raises basic grains, corn, beans, maicillo. This has been his business for many years and it allows him to provide for his family. Saúl is a hardworking man with good references. This is how he is able to support himself and his family. He sells part of his harvest to earn an income and retains the other part for the household needs. He wants to invest a little more into the farming so that he can have a bigger harvest and improve his sales and income, so he came to INTEGRAL for a loan so that he can buy compost, seeds, fertilizers, pesticides, etc. He wants a bigger harvest of basic grains so that he can reach his goal of improving his family’s living conditions. He has faith in God that he will have good results.
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Saúl de 51 años de edad habita en casa de su propiedad junto con su grupo familiar su esposa y sus hijos. Él se dedica al cultivo de granos básicos es decir Maíz, Frijol y maicillo. Este ha sido su negocio desde hace muchos años, y es lo que le permite llevar el pan de cada día a su hogar. Saúl es un hombre muy trabajador del cual muchas personas dan buenas referencias. Por medio del cultivo de estos productos es como puede ir subsistiendo él y su familia ya que cada año al sacar la cosecha pone a la venta una parte para sacar los ingresos necesarios para cubrir otras necesidades del hogar. Su deseo es invertir un poco más en la agricultura con el fin de cosechar una mayor cantidad de granos básicos que le permitan mejorar su nivel de ventas como sus ingresos. Esta es la razón por la que tomo la decisión de acercarse a INTEGRAL, para invertir en la compra de los insumos agrícolas como: abonos, semillas, fertilizantes, pesticidas etc. Para invertir en la cosechar de una mayor cantidad de granos básicos y lograr el objetivo final de mejorar sus condiciones de vida y las de su familia. Confía en Dios y en su trabajo que logrará resultados favorables

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
  • 751
    View loans »
    El Salvador Loans Fundraising
  • $26,264,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Saul Oswaldo to buy farming supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 14, 2012
Dec 25, 2012
Currency Exchange Loss:
Jan 25, 2014