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Josefina lives with her partner and their two children in their own home. She cultivates corn and sorghum. Having worked for several years in agriculture, she has a great deal of experience which allows her to obtain the best harvests. She sells her crops in the community. She has many customers who prefer her business for the quality, good prices, and good service. She needs to invest, so she is requesting a loan for the purchase of seeds, insecticide, herbicide, fertilizer, manure, etc. Josefina has good payment references from those who know her. She is very responsible and assures us that she will be able to repay the loan as established. She is confident that this will bring economic security to her home.
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Josefina vive junto a su compañero de vida y sus dos hijos en casa propia, ella se dedica al cultivo de maíz y maicillo, tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, sus cosechas las comercializa en los alrededores de la comunidad, ya tiene mucha clientela que la prefieren por la calidad, los buenos precios y sobre todo por el buen servicio; ella necesita invertir por eso le solicita un crédito que le permita comprar semillas, insecticida, herbicida, fertilizantes, abonos, etc. Josefina tiene buenas referencias de pago por parte de sus conocidos, y es muy responsable, asegura que podrá cancelar la deuda en el periodo establecido y a la vez confía que llevara a su hogar seguridad 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
  • 668
    View loans »
    El Salvador Loans Fundraising
  • $26,100,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Josefina to buy seeds, insecticide, herbicide, fertilizer, manure, etc.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Jun 15, 2013
Jul 6, 2013
Currency Exchange Loss:
Feb 21, 2014