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This borrower is 24 years old and lives with his partner and son. He makes a living growing corn, beans, and tomatoes. The borrower has been working in farming for seven years and now has a lot of experience. He is well-known in the area and has a good customer base as he has the best harvests. The borrower sells top quality goods and at very affordable prices. The service is also unbeatable: the borrower is very friendly, enterprising and has a great desire to get ahead. He wants to take advantage of opportunities that will bring him that little bit closer to success.

At his last harvest, the borrower did not earn as high profits as he had expected and this time wants to increase production. To do this he needs financial support and so is applying for a loan from "Apoyo Integral". This will allow him to buy seeds, fertilisers, anti-plague chemicals, weed-killer, manure and more. This borrower has a good credit rating and an unblemished moral character. He is responsible and is confident that he will be able to pay of the debt and, at the same time, offer his family a better life.
View original language description ↓
El cliente de 24 años de edad vive junto a su compañera de vida y su hijo, él se dedica al cultivo de maíz y frijol y al cultivo de tomates, tiene 7 años de dedicarse a la agricultura por lo que se ha hecho de mucha experiencia en el rubro, es muy conocido en la zona y ya tiene buena clientela pues obtiene las mejores cosechas, por lo tanto comercia producto de primera calidad y a precios muy accesibles, además el servicio es inigualable, el cliente se caracteriza por su gran amabilidad, es un hombre emprendedor con muchas ganas de salir adelante, piensa que aprovechar las oportunidades lo llevaran un paso más adelante del éxito; en la última siembra no obtuvo las ganancias esperadas y esta vez quiere aumentar la producción, pero necesita de un apoyo de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla, fertilizantes, controles de plagas, herbicidas, abonos, etc. el cliente tiene referencias de tener una moral intachable, responsable y de muy buena paga, confía que podrá responder a la deuda y al mismo tiempo podrá darle a su familia una vida plena.

Additional Information

More information about this loan

This loan is part of a pilot project Apoyo Integral is launching in conjunction with several local NGOs to support at-risk youth and their families with funding from Kiva. This loan product is tailored to young people who find themselves in high-risk situations because they are located in areas affected by extreme violence. Loans are combined with vocational, technical, and financial training to help these young people develop business ideas that will help them generate income, reintegrate into society, and support their dreams of being productive and contributing members of society.   

Due to potential safety risks facing these youth, some of the loans are being disbursed to their parents in order to protect their identities. For the same reason, the faces of some Apoyo Integral borrowers may be blurred in photos. Apoyo Integral appreciates Kiva lenders' understanding of these challenges and encourages them to provide much-needed support to at-risk Salvadoran youth.

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
  • 454
    View loans »
    El Salvador Loans Fundraising
  • $23,242,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $850 helped this borrower to buy seeds, fertilisers, anti-plague chemicals, weed-killer, manure and more.
0% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 10, 2014
Apr 14, 2014
Currency Exchange Loss: