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Ricardo is 60 years old and lives in a home on his land together with his family. Ricardo grows basic grains such as corn and beans as his main source of income. He has done this activity for a long time and it is how he makes an honest living. He is a very responsible and honest man who is dedicated to his job. He is well-known by his neighbors who provide good references of his work and of himself. Every year he repeats this activity since he is a very humble person with scarce resources who could not have any other type of business or job. This year, just like the previous years, he has decided to farm, and since the sowing period is approaching, he wants to be prepared with the necessary agricultural supplies for harvesting the main basic grains. This is the reason why he is requesting this loan from INTEGRAL. He will use this loan to buy agricultural supplies such as seeds, fertilizers, and insecticides, and also to pay the rent for a land parcel where he has his main crops. In this manner, he hopes to succeed in growing the main basic grains this year in order to feed his family every day.
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Ricardo de 60años de edad y habita en casa de su propiedad junto con su familia. Ricardo 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. El crédito lo invertirá en la compra de insumos agrícolas como: semillas, abonos, insecticidas, etc. y en el alquiler de una parcela donde tiene los principales cultivos. De esta forma espera lograr cultivar los principales granos básicos de este año para poder llevar el pan de cada día a 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
  • 714
    View loans »
    El Salvador Loans Fundraising
  • $26,152,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Ricardo to buy agricultural supplies such as seeds, fertilizers, and insecticides, and to pay the rent for a land parcel where he has his main crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 24, 2013
Feb 5, 2013
Currency Exchange Loss:
Dec 19, 2013