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Misael lives with his partner and their child. He is 45 and cultivates corn and beans. He has been a farmer for 25 years, so he has a great deal of experience in the field. He is very well-known in the area and has a good clientele because he has the best harvests and sells products of the highest quality and at very accessible prices. He also provides unequalled service. Misael is known for being very kind. He is an enterprising man with a great desire to get ahead. He believes that taking advantage of opportunities will bring him one step closer to success. In the last harvest, he did not obtain the income he had expected, and this time he wants to increase production. In order to do this, he needs capital. He is requesting a loan from INTEGRAL for the purchase of seeds, fertilizer, manure, herbicides, tools, etc. He will also use it to improve the plot of land in the photo, which is where he wants to sow. Misael's references say that he has an irreproachable character, and that he is responsible and repays his loans. He is confident that he will be able to pay off the debt and, at the same time, provide his family with a full life.
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Misael vive junto a su compañera de vida y su hijo, a sus 45 años de edad se dedica al cultivo de maíz, frijol tiene 25 años de dedicarse a la agricultura por lo que se ha hecho de mucha experiencia en el rubro, es muy conocido en la zona y ya tiene buena clientela pues obtiene las mejores cosechas, por lo tanto comercia producto de primera calidad y a precios muy accesibles, además el servicio es inigualable, Misael se caracteriza por su gran amabilidad, es un hombre emprendedor con muchas ganas de salir adelante, piensa que aprovechar las oportunidades lo llevaran un paso más adelante del éxito; en la última siembra no obtuvo las ganancias esperadas y esta vez quiere aumentar la producción, pero necesita de un apoyo de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla, fertilizante, abonos, herbicidas, herramientas, etc. y mejorar el terreno que muestra la fotografía que es donde desea hacer su siembra. Misael tiene referencias de tener una moral intachable, responsable y de muy buena paga, confía que podrá responder a la deuda y al mismo tiempo podrá darle a su familia una vida plena.

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
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $28,084,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Misael to buy seeds, fertilizer, manure, herbicides, tools, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jun 18, 2013
Jul 1, 2013
Currency Exchange Loss:
Aug 23, 2014