Teodoro is 44 years old and lives in his own house with his family. Teodoro works growing basic grains such as maize and beans, which is his main source of income. He has been doing this for a long time and this is how he earns an honest living. He is a very responsible man, honest and dedicated to his work. He is well known among his neighbours who say good things about both his work and his character. Every year he does this since he is a very humble person and not well off, so he cannot have any other kind of business or work.
This year, like the ones before, he has decided to cultivate the land and since the sowing season is near he wants to be prepared with the agricultural supplies he needs to grow the main basic grains. This is why he is asking for this loan from INTEGRAL, since he cannot afford the investment. He will invest the loan in buying agricultural supplies such as seeds, fertilizer, insecticides, etc. In this way he hopes he will be able to grow the main basic grains this year and be able to feed his family.
Teodoro de 44 años de edad y habita en casa de su propiedad junto con su familia. Teodoro se dedica al cultivo de granos básicos como: maíz, frijoles siendo esta su principal fuente de ingresos, Ha realizado esta actividad por mucho tiempo y es así como se gana la vida honradamente. Él es un hombre muy responsable, honesto y dedicado en su trabajo. Es muy conocido por sus vecinos los cuales dan buenas referencias de su trabajo como de su persona. Cada año repite está actividad ya que es una persona muy humilde y de escasos recursos el cual no puede tener otro tipo de negocio o trabajo. Este año al igual que los anteriores ha decidido cultivar la tierra y ya que la temporada de siembra está cerca él quiere estar preparado con los insumos agrícolas necesarios para cosechar los principales granos básicos. Esta es la razón por la cual solicita este crédito a esta institución, INTEGRAL, ya que no cuenta con los recursos económicos necesarios para realizar la inversión. El crédito lo invertirá en la compra de insumos agrícolas como: semillas, abonos, insecticidas, etc. De esta forma espera lograr cultivar los principales granos básicos de este año para poder llevar el pan de cada día a su familia.
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.