This borrower lives with his parents and brothers and has been making a living growing corn and beans for five years. This valuable experience now allows him to grow better harvests. The land where he sows his seeds is in an area with a lot of farming work, and is close to his home. Once his harvest is ready, he stores it in bags, as shown in the photograph. The member sells his product in the areas around his community and he has a good customer base and is liked because he sells top quality products, with good service and at accessible prices. The borrower wants to invest again so that he can increase production. So, he has applied to "Integral" for a loan that will allow him to buy seeds, fertilisers, manure and more. The members has a good credit rating and assures us that he will be able to pay off his debt. He hopes that he will be able to give some financial stability to his household.
El cliente vive junto a sus padres y sus hermanos, él se dedica al cultivo de maíz y frijol desde hace 5 años ha ganado experiencia valiosa que le permite obtener las mejores cosechas, el terreno donde siembra esta ubicado en una zona de alta incidencia agrícola, y muy cercano a su vivienda, cuando su cosecha ya esta lista la amacena en sacos asi como muestra la fotografía, comercia en todos los alrededores de la comunidad y se ha hecho de mucha clientela que lo prefieren porque todo lo que vende es de primera calidad, a precios accesibles y con un buen servicio, el desea realizar una nueva inversión que le permita aumentar la producción por eso le solicita a INTEGRAL un crédito que le permita comprar semilla, fertilizantes, abonos, etc. el cliente tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez tiene esperanza que llevara a su hogar seguridad económica.
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.