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Jose Victor
Fifty-eight year old Jose has earned a living in agriculture for several years. He cultivates corn and beans and his dedication enables him to provide his family with daily sustenance. He is a hard-working, honest and responsible man. He lives with his family which consists of his wife and their two children. He and his wife both work very hard to get their family ahead and to provide better living conditions than they had previously.

Thanks to his expertise in agriculture he manages to provide his home with sustenance. This is the only way that he knows how to earn an honest living.

With a great desire for improvement, he turned to Kiva to request a loan because he needs to invest in the purchase of necessary agricultural supplies like: seeds, manure, insecticides, etc. for planting.

He trusts in God and in his work that with these supplies he will manage to produce an abundant harvest, allowing him and his family a better quality of life.
View original language description ↓
Don jose de 58 años de edad desde hace varios años se dedica a cultivar la tierra. Con mucha dedicación cultiva maíz y frijol, lo cual le permite llevar el pan de cada día a su hogar. Se caracteriza por ser un hombre trabajador, honrado y responsable. Habita junto a su grupo familiar el cual está conformado por su esposa y sus dos hijos. Junto a su esposa trabajan muy duro para sacar adelante a su familia y darles mejores condiciones a las que ellos han tenido. Gracias a los conocimientos en la agricultura es como logra llevar el sustento a su hogar, dado que es la única forma que conoce para ganarse la vida honradamente. Con muchos deseos de superación se acerco a esta institución para solicitar crédito ya que necesita invertir en la compra de los insumos agrícolas necesarios como: semillas, abonos, insecticidas, etc. para la siembra. Confía en Dios y en su trabajo que de esta forma logrará tener una cosecha abundante la cual le permitirá acceder a una mejor calidad de vida para él y su familia.

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
  • 732
    View loans »
    El Salvador Loans Fundraising
  • $27,061,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $225 helped Jose Victor to buy seeds, manure, insecticides, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jun 18, 2013
Jun 26, 2013
Currency Exchange Loss:
Apr 16, 2014