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Everano, 29, lives in his own home with his wife and children. He has been farming for many years, cultivating basic grains such as corn and beans. He repeats this activity year after year, because this is his main source of income. Through his farming, he earns a living and feeds his family. Everano's main dream is to improve the quality of life for himself and his family. He has always wanted to give his family something different, and this motivates him to work with more enthusiasm, because only with his work can he provide his family with what he so much wants to give them. This is the reason why he approached this institution, INTEGRAL, to request a loan. This loan will allow him to invest in farming supplies such as: seeds, fertilizers, insecticides, and other supplies. He will also use part of the loan to pay for farmworkers. He hopes to achieve his goals: to give his family what they deserve, and to be able to enjoy a better quality of life.
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Everardo de 29 años de edad habita en casa de su propiedad junto con su esposa y sus hijos . Él se dedica a la agricultura desde hace muchos años, cultiva granos básicos como maíz, y frijol. Dicha actividad la repite año con año ya que es su principal fuente de ingresos. De esta forma es como se gana la vida y lleva el pan de cada día a su hogar. Su sueño es mejorar su calidad de vida y la de su familia siempre ha deseado darles algo diferente, esto lo motiva a trabajar con más entusiasmo ya que solo con el trabajo logrará dar a su familia lo que tanto desea. Estas son razones por las que ha tomado la decisión de acercarse a esta institución, INTEGRAL para solicitar crédito que le permita invertir en los insumos agrícolas como: semillas, abonos, insecticidas, u otros y a parte el pago de una mano de obra para sus cultivos. Espera lograr su objetivo de dar a su familia lo que se merece y poder accesar a 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
  • 733
    View loans »
    El Salvador Loans Fundraising
  • $28,251,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Everardo to buy farming supplies such as: seeds, fertilizers, insecticides, and other supplies, and to pay for farmworkers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 4, 2013
Jan 26, 2013
Currency Exchange Loss:
Feb 17, 2013