José is 33 years old and lives in the house on his property together with his life companion and their children. He has made a living from agriculture for many years. José cultivates the primary basic grains like: rice, beans and corn. He repeats this activity each year as it’s the only way he knows how to make a living. He is a very hard-working, responsible and entrepreneurial person. He works very hard to bring the daily bread home, as he doesn’t have any source of income other than agriculture. Because of this he has made the decision to ask for a loan from INTEGRAL to invest in the purchase of fertilizers, pesticides and seeds. With much trust in God and in his work he hopes to have an abundant crop so he can sell one part and leave the other part for consumption. He hopes to fulfill his dream of giving his family a better quality of life.
José de 33 años de edad habita en casa de su propiedad junto con su compañera de vida y sus hijos. Él se dedica a la agricultura desde hace muchos años. José cultiva los principales granos básicos como: arroz, frijoles y maíz. Cada año repite esta actividad ya que es la única forma que conoce para ganarse la vida. Es una persona muy trabajadora, responsable y emprendedora. Trabaja muy duro para llevar el pan de cada día a su hogar ya que no cuenta con otra fuente de ingresos diferente a la agricultura. Es por esta razón que ha tomado la decisión de solicitar es préstamo a INTEGRAL para invertir en la compra del abono, fertilizantes, pesticidas y semillas. Con mucha confianza en Dios y en su trabajo espera tener una cosecha abundante de la cual pueda vender una parte y dejar otra parte para el consumo. Espera cumplir su sueño de dar a su familia una mejor calidad de vida
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.