Oscar, age 37, lives at home on his own property with his wife and children. For many years, he's been in the business of growing staple crops, specifically, corn, beans, and sorghum, though he also owns a small store and a tailor shop. This allows him to put food on the table every day in his home. Through raising his crops he is able to go on sustaining his family year after year. Oscar is a very hardworking man of whom many people speak highly, selling part of his crop each season to bring in the income he needs to cover various household expenses.
His hope is to invest a little more in his agricultural work to achieve a larger crop of staples that will allow him to improve his sales and his income. That's why he decided to get involved with INTEGRAL; to buy some agriculture materials, such as manure, seeds, fertilizers, pesticides, etc, and invest in a better crop and realize his goal of improving his and his family's living conditions. He puts his trust in God and in his hard work to achieve success.
Oscar de 37años de edad habita en casa de su propiedad junto con su grupo familiar su esposa y sus hijos. Él se dedica al cultivo de granos básicos es decir Maíz, Frijol y maicillo. Este ha sido su negocio desde hace muchos años,Aunque posee una pequeña tienda y tambien una sastreria. Esto es lo que le permite llevar el pan de cada día a su hogar. Oscar es un hombre muy trabajador del cual muchas personas dan buenas referencias. Por medio del cultivo de estos productos es como puede ir subsistiendo él y su familia ya que cada año al sacar la cosecha pone a la venta una parte para sacar los ingresos necesarios para cubrir otras necesidades del hogar. Su deseo es invertir un poco más en la agricultura con el fin de cosechar una mayor cantidad de granos básicos que le permitan mejorar su nivel de ventas como sus ingresos. Esta es la razón por la que tomo la decisión de acercarse a INTEGRAL, para invertir en la compra de los insumos agrícolas como: abonos, semillas, fertilizantes, pesticidas etc. Para invertir en la cosechar de una mayor cantidad de granos básicos y lograr el objetivo final de mejorar sus condiciones de vida y las de su familia. Confía en Dios y en su trabajo que logrará resultados favorables
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.