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Johel Antonio
Johel, 38, lives with his family in a house that they own. Johel grows vegetables as his main source of income. He has been doing this for a long time, which is how he earns an honest living.

He is a very responsible man, honest and dedicated to his work. He is well known among his neighbors who give good references to his work as much his character. He repeats this activity every year as he is a very humble and poor person with scarce resources so he can do no other type of business or work.

This year, as with years before, he has decided to farm, and since planting season is close he wants to be prepared with the necessary agricultural supplies to harvest basic grains. He is requesting a loan from INTEGRAL because he does not have the financial resources to make the investment. The loan will be invested in the purchase of agricultural supplies such as seed, fertilizer, insecticide, etc. In this way, he hopes to cultivate the basic grains this year so he can bring home the daily bread for his family.
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Johel de 38 años de edad y habita en casa de su propiedad junto con su familia. Johel se dedica al cultivo de hortalizas, 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, ya que no cuenta con los recursos económicos necesarios para realizar la inversión. El crédito lo invertirá en la compra de insumos agrícolas como: semillas, abonos, insecticidas, etc. 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
  • 782
    View loans »
    El Salvador Loans Fundraising
  • $25,635,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Johel Antonio to buy agricultural supplies such as seed, fertilizer, insecticide, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 20, 2013
Mar 4, 2013
Currency Exchange Loss:
Jun 18, 2013