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Carlos Alfredo

Update on Carlos Alfredo

Carlos Alfredo lives with his life partner and their children in his own house. He grows corn and beans. He has been farming for many years already and he has a lot of experience in it that allows him to obtain the best harvests and always do quality work. The land he cultivates is fertile and suitable for sowing. It is close to the town where he lives, and he trades in all the surrounding areas. He already has a lot of customers, since people prefer him because he always has what they need at accessible prices and provides unequalled service. Carlos is a man who is dedicated to his work and is always ready to better himself. He knows that with all of his effort and dedication he will achieve the success he wants so much. In the last harvest, he had a lot of losses, and he wants to recover and invest. That is why he is asking Integral for a loan that will allow him to buy cattle, corn and bean seeds, fertilizer, herbicide, and tools. Carlos Alfredo has good payment references and is very responsible. He feels completely thankful for the help, so he promises to make his loan repayments within the established time frame, and at the same time he will give his family a better life.
View original language description ↓
Carlos Alfredo vive junto a su compañera de vida y sus hijos en casa propia; él se dedica al cultivo de maíz y frijol, ya tiene varios años de dedicarse a la agricultura y se ha hecho de mucha experiencia en el rubro que le permite obtener las mejores cosechas y siempre tener calidad en su trabajo, el terreno donde cultiva es fértil y apto para la siembra, está cercano a la localidad donde vive y comercia en todas las zonas aledañas, ya tiene mucha clientela pues las personas lo prefieren porque siempre tiene lo que necesitan a precios accesibles y con un servicio inigualable; Carlos es un hombre dedicado a su labor siempre dispuesto a superarse, sabe que con todo su esfuerzo y entrega logrará el éxito que tanto desea, en la cosecha pasada tuvo muchas perdidas y quiere recuperarse e invertir por eso le solicita a INTEGRAL un crédito que le permita comprar ganado, semilla de maíz, frijol, fertilizante, herbicida, herramienta. Carlos Alfredo tiene buenas referencias de pago y es muy responsable, se siente totalmente agradecido con la ayuda por lo que se compromete a cancelar la deuda en el periodo establecido y a la vez le dará a su familia una mejor vida.

Previous Loan Details

Carlos Alfredo, 50, lives with his wife and children. He is a hard worker dedicated to his family. He has worked his whole life in the fields growing corn and beans. Like all farmers he goes through the same process every year: preparing the land, planting the seeds, harvest the crops, and later ... More from Carlos Alfredo's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 748
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Carlos Alfredo to purchase corn and bean seeds, fertilizer, herbicide, and tools.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 6, 2013
Feb 23, 2013
Currency Exchange Loss:
Jun 18, 2013
This photo was used before for a previous loan for Carlos Alfredo. It was first posted on Kiva on Aug, 2012. Learn More