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Jose Ramiro
Jose is 31 years old. For the past seven years he has been farming, especially planting corn and beans. His years of experience have allowed him to enjoy better harvests and for this reason he has lots of clients who seek him out. Also he is friendly and offers reasonable prices. He stores his harvest in the container shown in the photo as he also sells in the markets close to his residence. He pays for the household expenses with what he makes from his harvest. He lives in his own house along with his wife and two children aged 7 and 3 years old.

Jose is requesting this loan to buy seeds, fertilizer, manure, etc so he can continue farming and provide his family a more stable income.
View original language description ↓
Jose de 31 años de edad se dedica desde hace 7 años a la agricultura especialmente a la siembra de maíz y frijol esos años de experiencia le han llevado a tener las mejores cosechas por esa razón tiene mucha clientela que lo busca, también por la amabilidad y los buenos precios, su cosecha la almacena en los graneros que muestra la fotografía, porque también sale a comercializarlos a los mercados que están cerca de su lugar de residencia, con lo que obtiene de sus cosechas logra solventar los gastos de su hogar, vive en casa propia con su esposa y sus dos hijos de 7 y 3 años de edad, el esta solicitando un crédito para poder comprar semillas, fertilizantes, abonos, etc. para seguir con su siembra y darle a su familia una mejor estabilidad 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
  • 656
    View loans »
    El Salvador Loans Fundraising
  • $26,134,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Jose Ramiro to buy seeds, fertilizer, manure, etc.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
At end of term
Aug 10, 2013
Sep 11, 2013
Currency Exchange Loss:
Apr 16, 2014