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Joel Arturo
Joel is 37 years old. He lives in his own home together with his wife and children. For a long time he has earned his living growing maize and beans, this being his principal source of income. At times of low crops he works as a day labourer so that he can have some extra income and continue to bring food to his humble home.

Joel is hard-working, humble and responsible man and is known for selling high-quality products. Every year he puts more effort into his crop cultivation since his customers always expect the highest standard from him. For this reason he approached the INTEGRAL agency to ask for a loan to help him to buy all of the ingredients he needs to sow this year's crops, such as manure, pesticides, seeds etc and in this way he can generate all of the income  necessary to give his family a better future.
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Joel de 37 años de edad, reside en vivienda propia junto a su esposa e hijos. Él se dedica desde ya hace mucho tiempo al cultivo de maíz y frijol, siendo este su principal fuente de ingresos ya que en las épocas de poco cultivo trabaja como jornalero para poder tener ingresos extra y así no dejar de llevar el sustento a su humilde hogar. Joel se caracteriza por ser un hombre trabajador, humilde y responsable, además de ser conocido por vender productos de buena calidad, es por eso que año con año pone su mayor esfuerzo en sus cultivos ya que su clientela siempre espera lo mejor de él. Es por eso que se acercó a las agencias de INTEGRAL para solicitar un crédito que le ayude a la compra de todos los insumos necesarios para poder llevar acabo una nueva siembra, tales como abono, pesticidas, semillas, etc. y de esta forma poder generar los ingresos necesarios para poder darle a su familia un mejor futuro.

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
  • 774
    View loans »
    El Salvador Loans Fundraising
  • $25,574,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Joel Arturo to buy manure, pesticides, seeds etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Pre-Disbursed:
Feb 5, 2013
Listed
Feb 24, 2013
Currency Exchange Loss:
N/A
Ended:
Mar 17, 2014