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José Lucio

Update on José Lucio

José, 48, lives with his life companion in his own house. He works growing corn and has worked in agriculture for several years so he’s gained quite a bit of experience that leads to better crop yields. He sells his crops in basic grain markets located near where he lives.

José needs to increase production because his profits will increase that way but needs capital to make the investment which is why he’s asking for a loan to buy corn seeds, manure, herbicide, insecticide, etc. to provide economic security for his home.
View original language description ↓
José de cuarenta y ocho años de edad vive junto a su compañera de vida en casa propia, él se dedica al cultivo de maíz, tiene varios años de trabajar en la agricultura y se ha hecho de mucha experiencia que le permite obtener las mejores cosechas; comercializa sus cosechas en los mercados de granos basicos cerca de su lugar de residencia. Don jose quiere aumentar la producción porque así aumentara sus ganancias, pero necesita de capital para realizar la inversión por eso solicita un crédito que le permita comprar semilla de maíz, abono, herbicida, insecticida, etc. y asi el podrá llevar a su hogar seguridad económica.

Previous Loan Details

José Lucio is 47, and lives with his life partner and son in their own house. He grows corn, and has several years of working in agriculture. He has acquired a great deal of experience that allows him to to obtain good harvests. His farmland is located in an area that is primarily agricultura... More from José Lucio'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
  • 768
    View loans »
    El Salvador Loans Fundraising
  • $25,698,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped José Lucio to buy seeds and farm supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 1, 2013
Apr 25, 2013
Currency Exchange Loss:
May 18, 2014