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Jose Misael
Jose has been farming for a number of years, and this has given him the skills and knowledge he needs to tend to his crops. His main crops are corn and beans. He sells his crops to the staple grain wholesalers who are close to his home. With the earnings he gets from his sales, he helps with the family's expenses. He lives in his own house with his wife. When the growing season is over, he works as a truck driver.

Jose is requesting a loan to buy agricultural supplies that will help him with his crops, such as organic and chemical fertilizers and seeds. This way, he can increase his earnings and continue to cover the household expenses without any limitations.
View original language description ↓
Jose se dedica a la agricultura desde hace varios años y eso le ha dado la capacidad y el conocimiento necesario para asistir sus cultivos, su principal siembra es el maíz y frijol, comercializa sus cultivos en agencias de compra-venta de granos básicos que están cerca de su lugar de residencia, con las ganancias que obtiene de sus ventas ayuda en los gastos que su familia tiene, vive en casa propia con su esposa, cuando pasa la temporada agrícola el cliente se dedica a trabajar como motorista de un camión de carga, el esta solicitando un crédito para poder comparar insumos agrícolas que le ayuden en la siembra de sus cultivos como: abonos, semillas, fertilizantes y asi poder tener mejores ganancias y seguir solventando los gastos de su casa sin ninguna limitación.

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

  • $4,900
    Average annual income
  • 413
    View loans »
    El Salvador Loans Fundraising
  • $22,766,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Misael to buy organic and chemical fertilizers, seeds, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 14, 2014
Mar 27, 2014
Currency Exchange Loss:
Mar 26, 2015