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Fernando, who is 45 years old, is very kind and hard-working. He lives with his wife and their two children. He works very hard on his own parcel of land, where he plants corn and beans. His products are of very good quality. He sells them in the various markets that are near the place where he lives. Fernando is applying to INTEGRAL for a loan to have the money he needs to invest in the purchase of agricultural supplies such as pest controls, fertilizers, compost, seeds, herbicides, etc., as the photograph shows. He wants to increase his sales to be able to obtain better earnings and give his family better economic stability.
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Fernando de 45 años de edad es muy amable y trabajador, vive con su esposa y sus dos hijos, El trabaja muy duro en su propia parcela donde siembra maíz y frijol; sus productos son de muy buena calidad comercializa a los diferentes mercados que están cerca de su lugar de residencia. Fernando solicita un préstamo a INTEGRAL para contar con el dinero necesario e invertir en la compra de insumos agrícolas como controles de plaga, fertilizantes, abonos, semillas, herbicidas, etc. asi como muestra de la fotografía, él ansía aumentar sus ventas para poder percibir mayores ganancias y 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
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $28,084,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Fernando to buy pest controls, fertilizers, compost, seeds, herbicides, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 12, 2014
Apr 8, 2014
Currency Exchange Loss:
Mar 26, 2015