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Jose  Raul
José lives with his wife and eight children in his own home. He grows corn and beans. He has been farming for a number of years and this has given him a lot of experience which allows him to produce the best harvests. He sells his harvested produce in neighboring areas. José has a lot of customers who prefer to buy from him because he sells good quality crops at a good price and, above all, he provides good customer service. He needs to invest in his crops and is requesting this loan to buy corn and bean seeds, insecticides, herbicides, fertilizers, etc. José has good references from those who know him and is a very responsible man. He assures lenders that he will be able to repay his loan within the established time period and is also confident that he will be able to provide his household with financial security.
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Don jose vive junto a su esposa y sus 8 hijos en casa propia, el se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, sus cosechas las comercia en los alrededores de la comunidad, ya tiene mucha clientela que lo prefieren por la calidad, los buenos precios y sobre todo por el buen servicio; don José necesita invertir en sus cultivos por eso solicita un credito que le permita comprar semillas de maíz, frijol, insecticida, herbicida, fertilizantes, etc. don jose tiene buenas referencias de pago por parte de sus conocidos, y es muy responsable, asegura que podrá cancelar la deuda en el periodo establecido y a la vez confía 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
  • 747
    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 $350 helped Jose Raul to buy corn and bean seeds, insecticides, herbicides, fertilizers, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 23, 2013
Jun 17, 2013
Currency Exchange Loss:
Apr 16, 2014