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Ernesto Armando
Ernesto is 60 years old and lives in his own home with his spouse. He has worked for a number of years growing corn and raising livestock, both to fatten up and for dairy. He sells his products in the different markets close to his home. He has a large clientele thanks to his friendliness and good prices. He is able to pay for some of his household's expenses with his earnings.

Ernesto is requesting this loan to buy another dairy cow, since he's not able to buy one with his current income. With a new cow, he will be able to continue producing milk and cheese, make a better income, and have a better quality of life with his wife.
View original language description ↓
Ernesto de 60 años de edad vive en casa propia con su esposa, el se dedica a la siembra de maíz y a la crianza de ganado de engorde y lechero desde hace varios años, comercializa sus productos en los diferentes mercados que se encuentran cerca de su lugar de residencia posee mucha clientela por la amabilidad y buenos precios, con lo que obtiene de sus ganancias logra solventar algunos gastos de su hogar, don Ernesto está solicitando un prestamos para poder comprar otra vaca lechera ya que con lo que gana no le alcanza para poder comprarla y así poder seguir con su producción de leche y queso y obtener mejores ganancias para tener una mejor calidad de vida junto a su esposa.

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
  • 715
    View loans »
    El Salvador Loans Fundraising
  • $27,098,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Ernesto Armando to buy another dairy cow.
49% repaid
Repayment Term
38 months (Additional Information)
Repayment Schedule
Sep 13, 2013
Sep 29, 2013
Currency Exchange Loss: