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The client is 20 years old. He lives with his wife, his son and his parents in a house they own. He works cultivating corn and beans. He has worked for two years in agriculture and this has given him a lot of experience, which allows him to obtain a good harvest. He sells his harvest in the outskirts of the community. He already has many customers, who prefer his quality, his good prices and above all, his good service. He needs to invest; therefore, he is requesting a loan to allow him to buy seeds, insecticides, herbicides, fertilizers, manure, etc. and improve the soil shown in the photograph. The customer has good payment references from his acquaintances and is very responsible. He promises to pay off his debt in the agreed period and at the same time he is sure this will give his family financial security.
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El cliente de 20 años de edad vive junto a su esposa, su hijo y sus padres en casa propia, el se dedica al cultivo de maíz y frijol, tiene 2 años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, sus cosechas las comercia en los alrededores de la comunidad, ya tiene mucha clientela que la prefiere por la calidad, los buenos precios y sobre todo por el buen servicio; el necesita invertir por eso le solicita un credito que le permita comprar semillas, insecticida, herbicida, fertilizantes, abonos, etc. y mejorar el terreno que es el que muestra a fotografía, el cliente tiene buenas referencias de pago por parte de sus conocidos, y es muy responsable, asegura que podrá cancelar la deuda en el periodo establecido y a la vez confía que llevara a su hogar seguridad económica.

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
  • 410
    View loans »
    El Salvador Loans Fundraising
  • $22,783,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $300 helped this borrower to buy seeds, insecticides, herbicides, fertilizers, manure, etc. and to improve the soil.
30% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Apr 4, 2014
Apr 21, 2014
Currency Exchange Loss: