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Rafael, 61, lives with his wife and son; he’s been working in agriculture for ten years growing corn and beans. He’s gained valuable experience that makes it possible for him to get the best crop yields. The field he plants on is located in a zone with high incidence of agriculture that’s quite near his house. He sells in all the community’s surrounding areas and has gained a large clientele that prefers him because everything he sells is top quality at accessible prices.

Rafael would like to make a new investment that will allow him to increase production which is why he’s requesting a loan to buy corn and bean seeds, insecticide, tools, etc. Rafael has good payment references and is sure that he’ll be able to repay the loan while at the same time hopes to provide economic security for his home.
View original language description ↓
Rafael de 61 años de edad vive junto a su esposa y su hijo, él se dedica al cultivo de maíz y frijol tiene 10 años de trabajar en la agricultura y ha ganado experiencia valiosa que le permite obtener las mejores cosechas, el terreno donde siembra está ubicado en una zona de alta incidencia agrícola y muy cercano a su vivienda, comercia en todos los alrededores de la comunidad y se ha hecho de mucha clientela que lo prefiere porque todo lo que vende es de primera calidad, a precios accesibles, don Rafael quiere hacer una nueva inversión que le permita aumentar la producción por eso solicita un crédito que le permita comprar semilla de maíz, frijol, abono, insecticida, herramientas, etc. Don Rafael tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez tiene esperanza que llevara a su hogar seguridad económica.

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
  • 845
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Rafael to buy farm supplies.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 15, 2013
May 21, 2013
Currency Exchange Loss:
Apr 16, 2014