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Cruz Alfredo
Cruz, 41 years old, has been a farmer for 8 years. His main crop is corn and sorghum. This is how he earns a living and can bring his household its daily bread. He farms year after year. He is a very hard-working, honorable, and responsable man. Despite the conditions in which he lives, he does not tire of working and giving his family the best. He is a fighter. He lives in his own house with his wife and two children. Cruz has made the decision to approach INTEGRAL to ask for a loan and to be able to buy the main farming supplies such as manure, insecticide, seeds, etc. He hopes to have favorable results since he does not have another source of income. He trusts in God that he will succeed in having an abundant harvest that will allow him to continue bringing his household its daily bread.
View original language description ↓
don cruz de 41 años de edad desde hace 8 años se dedica a la agricultura su principal siembra es el maíz y el maicillo, de esta forma es como se gana la vida y puede llevar el pan de cada día a su hogar. La actividad del cultivo la realiza año con año. Es un hombre muy trabajador, honrado y responsable. A pesar de las condiciones en las que vive, no se cansa de trabajar y de dar lo mejor a su familia. Es un hombre luchador, vive en casa propia con su esposa y sus dos hijos. don cruz ha tomado la decisión de acercarse a INTEGRAL para solicitar un crédito y poder comprar los principales insumos agrícolas como abonos, venenos para plagas, semillas, etc. Espera tener resultados favorables ya que no cuenta con otra fuente de ingresos. Confía en Dios que logrará obtener una cosecha abundante la cual le permitirá seguir llevando el pan de cada día a su hogar.

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
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $27,126,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Cruz Alfredo to buy manure, insecticide, seeds, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jun 24, 2013
Jun 30, 2013
Currency Exchange Loss:
Apr 16, 2014