Oscar, 34, lives in his own home with his wife and their two children. For many years he has worked as a farmer, which is his main source of income. He plants corn and sorghum, and is able to cover their household expenses with the profits from his harvests. He wants to buy the inputs needed for his crops like compost, fertilizers, seeds as well as to improve the land where he plants, which is shown in the photograph. He doesn't have the financial resources to make the investment in the inputs that he needs, so he has decided to ask for a loan which is the only way he will be able to continue with the planting process. Like all farmers, he puts his faith in agriculture because he doesn't have another source of income and he wants to improve himself, doing the best that he can possibly do with his crops. He hopes to get an abundant harvest so that he can keep bringing home the daily bread and pay back his loan.
Oscar de 34 años de edad vive en casa propia con su esposa y sus dos hijos, y desde hace muchos años que se dedica a la agricultura la cual es su principal fuente de ingresos, siembra maiz y maicillo, con lo que gana de sus cosechas logra solventar algunos gastos de su hogar. El quiere comprar los insumos necesarios para sus cosechas como abonos, fertilizantes, semillas y mejorar el terreno donde siembra que es el que muestra la fotografía, pero dado que no cuenta con los recursos económicos necesarios para dicha inversión ha tomado la decisión de solicitar un crédito ya que solo de esta forma puede continuar su proceso de cultivo. Al igual que todo campesino, deposita su confianza en la agricultura ya que no poseen otra fuente de ingresos y desea superarse haciendo lo mejor que puede en sus cultivos. Espera obtener una cosecha abundante que le permita seguir llevando el pan de cada día a su hogar y cancelar dicho crédito.
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.