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Maritza Del Carmen
Maritza is 36 years old and lives in her own home with her family. She makes a living from cultivating maize, beans, etc., and has done so for several years, which has given her the necessary experience to tend to her crops. She sells these in the basic grains markets, and uses her income in order to pay for her home expenses.

Maritza is requesting a loan in order to improve the land where she plans to plant, which is shown in the photograph, and to buy the necessary supplies, such as fertiliser, herbicides and manure, among others, so as to have a good harvest and to increase her income. In this manner she will be able to give her family better economic stability.
View original language description ↓
Maritza de 36 años de edad vive en casa propia con su familia, ella se dedica al cultivo de maíz, fríjol, etc. desde hace varios años y eso le ha dado la experiencia necesaria para asistir sus cultivos, sus cosechas las comercializa en los mercados de granaos básicos con las ganancias que obtiene de sus ventas logra solventar los gastos de su hogar. Maritza solicita un crédito para poder mejorar el terreno donde piensa hacer su siembra que es el que muestra la fotografía y comprar los insumos necesarios como fertilizantes, herbicidas, abonos, entre otras cosas para tener buenas cosechas y asi ella pueda obtener mejores ganancias para 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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Maritza Del Carmen to buy fertiliser, herbicides, and manure, among others.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 17, 2014
Apr 4, 2014
Currency Exchange Loss:
May 4, 2014