Santos Rafael lives with his life partner and children. He is a farmer. Specifically, he grows corn and beans. He has been working for many years, which has given him experience in this work, making him one of the best, obtaining the best harvests. The land he cultivates is located in an accessible place very close to his house. He also supplements the household expenses by working as a day laborer. Santos is a man who is dedicated to his work, ready to give everything he has to meet his goals. The most important thing in his life is his family, and in the last few weeks the deterioration of his house has disturbed the tranquility of his home. The house needs renovations and he wants to do them as soon as possible for everyone's safety. He is a committed man and he does not doubt that he will be able to make the changes in the expected time frame and with the success desired. He needs to invest, but he does not have sufficient capital. That is why he is asking for a loan from Integral that will allow him to buy cement, bricks, flooring, tools, etc. Santos Rafael has good payment references and he takes responsibility for paying back the loan. He is grateful for the help, and at the same time he hopes that he will be able to give his family a better quality of life.
Santos Rafael vive junto a su compañera de vida y sus hijos, él se dedica a la agricultura específicamente al cultivo de maíz y frijol, tiene varios años laborando lo que le ha dado experiencia en el rubro convirtiéndose asi en uno de los mejores, obteniendo las mejores cosechas, el terreno de cultivo esta ubicado en un lugar accesible y muy cercano a su vivienda, además para complementar los gastos del hogar trabaja de jornal; Santos es un hombre entregado a su labor, dispuesto a dar todo de su parte para cumplir sus objetivos lo mas impórtate en su vida es su familia y en las ultimas semanas el deterioro de su vivienda ha incomodado la tranquilidad de su hogar, la casa necesita modificaciones y quiere realizarlas lo mas pronto posible para la seguridad de todos, es un hombre comprometido y no duda que podrá realizar los cambios en el tiempo esperado obteniendo el éxito deseado, necesita invertir pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar cemento, ladrillos, piso, herramientas etc. Santos Rafael tiene buenas referencias de pago y se hace responsable de cancelar la deuda, esta agradecido con la ayuda y a la vez tiene la esperanza que podrá darle 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.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.