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Carmen Beatriz
Carmen lives with her husband and her three-year-old son in her own house. She's a hardworking, responsible, and very enterprising woman.

She has made a living in agriculture for several years. Her main crop is corn and beans. She stores her harvests in the sacks shown in the photograph and later goes out to sell them in the markets near her house. She has very good customers because she has learned how to earn their trust. She offers quality and good prices in her products.

Carmen has decided to invest in taking care of her crops because it's her only form of income. This is why she has requested a loan to be able to buy soil amendments, pesticide, fertilizer, herbicide, seed, and other things she needs for her crop that will allow her to grow in her business.

She hopes this will give her favorable results so she can continue giving her household the financial help it needs so much.
View original language description ↓
Carmen vive con esposo y su hijo de tres años en casa propia, ella es una mujer trabajadora, responsable y muy emprendedora, desde hace varios años se dedica a la agricultura su principal siembra es el maiz y frijol va almacenando sus cosechas en los sacos que muestra la fotografia para luego salir a venderlos en los mercados que estan cerca de su residencia tiene muy buena clientela ya que ha sabido ganarse la confianza de sus clientes. Ofrece calidad y buenos precios en sus productos, Doña Carmen ha decidido invertir en el cuidado de sus cultivos ya que esa es su unica fuente de ingresos. Por eso ha solicitado un crédito para poder comprar abonos, pesticidas, fertilizantes, herbisidas, semillas, entre otras cosas necesarias para su cultivo que le permita crecer en el negocio. Con esto espera obtener resultados favorables y continuar brindando la ayuda económica a su hogar que tanto lo necesita.

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
  • 673
    View loans »
    El Salvador Loans Fundraising
  • $26,100,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Carmen Beatriz to buy soil amendments, fertilizer, seed, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 17, 2013
May 8, 2013
Currency Exchange Loss:
May 18, 2014