Roberto lives in his own home with his wife and daughter. He cultivates corn and beans and has worked in agriculture for several years. He has gained valuable experience that allows him to obtain the best harvests. He sells throughout the community and has built up a large clientele who prefer his produce because everything he sells is top quality, at accessible prices and with good service. Roberto is an active man, dedicated to his work, and has a great desire to get ahead. He is always looking for opportunities to succeed. He plans to work earnestly and constantly in order to succeed. In his most recent harvests he had many problems and losses, and he wants to recuperate. He will make a new investment which will allow him to increase his production. For this reason, he is requesting a loan from Integral which will allow him to buy seeds, manure, insecticides, tools, fertilizers, etc. and to improve his farmland, shown in the photograph. The land in the area where he lives is very stony and coarse. With this investment, he will be able to continue with his crops in order to give his family greater economic stability.
Roberto vive en casa propia con su esposa y su hija, él se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y ha ganado experiencia valiosa que le permite obtener las mejores cosechas, comercia en todos los alrededores de la comunidad y se ha hecho de mucha clientela que lo prefieren porque todo lo que vende es de primera calidad, a precios accesibles y con un buen servicio; Roberto es un hombre activo, entregado a su labor y con muchas ganas de salir adelante, siempre esta buscando oportunidades que le permitan alcanzar el éxito, piensa trabajar con esfuerzo y constancia para no rendirse en el camino; en las ultimas cosechas tuvo muchos problemas y perdidas y desea recuperarse, hará una nueva inversión que le permita aumentar la producción por eso le solicita a INTEGRAL un crédito que le permita comprar semilla, abono, insecticida, herramientas fertilizantes, etc. y mejorar el terreno donde siembra que es el que muestra la fotografía ya que los terrenos donde el reside son rústicos y pedregosos, y así seguir con sus cosechas para darle a su familia una mejor estabilidad económica.
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.