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Tomás, 55, has worked in agriculture for many years; it’s his main source of income. He grows corn and sesame and uses profits earned from his harvests to cover some of his household expenses. He wants to buy the supplies he needs for his crops like manure, fertilizer and seeds and to improve the land where he does his planting and that’s shown in the photo.

However, noting that he does not have the economic resources needed for said investment he’s decided to request a loan since only in this way will he be able to continue with his farming project. Like all other farmers, he places his trust in agriculture because they have no other source of income and he wants to improve doing the best he can for his crops. He hopes to obtain an abundant harvest that will make it possible for him to continue providing daily bread for his home and to repay this loan.
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Tomas de 55 años de edad desde hace muchos años que se dedica a la agricultura la cual es su principal fuente de ingresos, siembra maiz y ajonjolí 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 fotografia 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.

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
  • 677
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Tomas to buy agricultural supplies to improve his land.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jun 21, 2013
Jun 27, 2013
Currency Exchange Loss:
Apr 16, 2014