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Santos, 45 years old, lives in a house she owns, together with her family. She works in agriculture, growing the main basic grains: maize and beans. She also grows loroco (a kind of vine with edible flowers) and jocotes (sineguela fruit). After harvesting, she sells part of her crop in order to meet her household needs which are increasing on a daily basis. She is an admirable and enterprising woman. Her priority is to earn a living in a dignified way, working with her hands.

She has worked all her life in agriculture. This is how she has managed to survive as she has no other source of income other than agriculture. Like all enterprising and visionary women, she has taken the decision to approach this institution as the sowing season is starting soon and she wants to be prepared.

For this reason she is requesting this loan from Integral, in order to invest in the purchase of agricultural supplies, such seeds, insecticides, fertilisers, etc. This will allow her to start sowing as soon as it is possible and later to harvest the fruit of her labour. She is confident that the harvest will be abundant, which will enable her to improve her own quality of life, as well has her family’s.
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Santos de 45años de edad habita en casa de su propiedad junto con su familia. Ella se dedica a la agricultura de los principales granos básicos como son: maíz y frijol, y tambien cultiva loroco y jocotes. 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 . 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 comprar 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

  • $7,500
    Average annual income
  • 772
    View loans »
    El Salvador Loans Fundraising
  • $25,577,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Santos to buy agricultural supplies, such as seeds, insecticides, fertilisers, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 18, 2013
Jan 25, 2013
Currency Exchange Loss:
Apr 19, 2013