Fredy lives in his own home with his wife and three children. For many years, he has made a living in agriculture, which is his primary source of income. He plants corn and beans and with the money he earns from his crops, he is able to pay his household expenses. He wants to buy the necessary supplies for his crops such as manure, fertilizers, herbicide seeds, and other products as seen in the photo. However, because he doesn't have the economic resource he needs for this investment, he decided to request a loan so he can keep farming. Along with all farmers, he puts his confidence in agriculture because he doesn't have other sources of income and wants to succeed by doing the best he can with his crops. He hopes to have an abundant crop that will allow him to keep providing for his family every day and pay off his debt.
Don Fredy vive en casa propia con su esposa y sus tres hijos, desde hace muchos años que se dedica a la agricultura la cual es su principal fuente de ingresos, siembra maíz y frijol con lo que gana de sus cosechas logra solventar algunos gastos de su hogar. El quiere comprar los insumos necesarios para sus cosechas como abonos, fertilizantes, semillas herbicidas, etc. así como muestra la fotografía, pero dado que no cuenta con los recursos económicos necesarios para dicha inversión ha tomado la decisión de solicitar un crédito ya que solo de esta forma puede continuar su proceso de cultivo. Al igual que todo campesino, deposita su confianza en la agricultura ya que no poseen otra fuente de ingresos y desea superarse haciendo lo mejor que puede en sus cultivos. Espera obtener una cosecha abundante que le permita seguir llevando el pan de cada día a su hogar y cancelar dicho crédito.
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.