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Germán, a young dairy farmer from the high plains of Tlaxcala, earns his living from what his animals and land provide. It's not the most profitable field of work and Germán finds himself constantly looking for ways to improve his production process. His 10 cubic meter Sistema Biobolsa biodigester will allow him to do exactly that. The digester will convert some of the abundant cow manure produced everyday in his dairy into two valuable resources - renewable energy and biofertilizer. The biogas generated by the digester will allow Germán to reduce the amount his family currently spends on expensive and non-renewable propane to heat bathwater and cook. Germán will use the biofertilizer to improve his soils without having to spend more money on petroleum-based agrochemical fertilizers. The economic savings will improve the farm's business model and the environmental impact of his farm will be mitigated through both the displacement of fossil-fuel based fertilizers and fuel as well as improved treatment of the animal waste produced daily on his farm. This loan represents 46% of the total cost of his Sistema Biobolsa biodigester and biogas stove.

Additional Information

More information about this loan

Sistema Biobolsa is a distributor of small-scale, affordable biodigester systems that transform livestock waste into organic fertilizer for crops and biogas for cooking, heat and electricity. The company also provides farmers with education and financial assistance to help them use biodigesters to save money and improve their quality of life.

Sistema Biobolsa’s loan program began in early 2011, built on the fact that economic savings made possible by biodigesters could be used to pay back loans. However, because the company’s core business is not microfinance -- and because its partnership with Kiva is unique and unprecedented -- Kiva is unable to assign it a risk rating.

This Kiva loan will be used to provide borrowers with needed goods or services, as opposed to cash or financial credit

Repayment Schedule Note - For loans listed after June 18, 2013.

Even though the repayment schedule for this loan indicates that all repayments are to be made at the end of the loan term, lenders should expect repayments to be made prior to this time. Biobolsa borrowers are expected to make repayments to lenders as savings are realized from the use of the biodigester. Because these savings can be irregular, seasonal and/or unpredictable, Biobolsa has marked this loan as an end of term repayment schedule to avoid having their borrowers show up as incorrectly delinquent throughout the term of the loan.


About Mexico

  • $15,600
    Average annual income
  • 22
    View loans »
    Mexico Loans Fundraising
  • $19,052,100
    Funds lent in using Kiva
  • 13.1
    Mexico Pesos (MXN) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,150 helped Germán purchase a Sistema Biobolsa biodigester and biogas stove.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 18, 2013
Jan 15, 2014
Currency Exchange Loss:
Jan 17, 2015