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Carlos Bernardino
Carlos, a 45-year-old man, is a hard-working, responsible, and honest man. He lives in his own house with his wife and their five children.

He works in agriculture. For the past 20 years, his main crop has been corn. When his crop is ready, he stores it in barrels like the one in the photo so that he can sell it later in the agencies that trade basic grains.

With his earnings, he has been able to cover some household costs.

Carlos requests this loan in order to buy manure, seeds, fertilizers, herbicides, tools, etc. so that he can continue farming and be able to provide economic stability for his family.
View original language description ↓
Carlos de 42 años de edad es un hombre muy trabajador, responsable y honesto vive en casa propia con su esposa y sus cinco hijos, el se dedica a la agricultura desde hace 20 años su principal siembra es el maíz, cuando su cosecha ya esta lista la almacena en barriles asi como muestra la fotografía para luego salir a comercializarla en las agencias de compra-venta de granos básicos con las ganancias que obtiene logra cubrir algunos gastos de su hogar, Carlos esta solicitando un crédito para poder comprar abonos, semillas, fertilizantes, herbicidas, herramientas, etc. Para continuar con sus cosechas y poderle dar a su familia una mejor estabilidad 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
  • 744
    View loans »
    El Salvador Loans Fundraising
  • $27,059,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Carlos Bernardino to buy manure, seeds, fertilizers, herbicides, tools, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jun 19, 2013
Jun 27, 2013
Currency Exchange Loss:
Apr 16, 2014