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Maria Luz
Maria lives with her husband and children in their own house. She makes a living growing corn and beans. She has worked in agriculture for several years, which has given her the experience to obtain the best harvest. When her harvest is ready, she goes out to sell her products at the markets. She has a large clientele who prefer her because of the quality and good price of her products.

She needs to invest in her crops, so she is applying for a loan to buy seeds, insecticide, fertilizer, manure, herbicide, etc. She will also improve the land where she wishes to start planting, which is shown in the photo. Maria has good references from her acquaintances and she is a very responsible person. She is sure that she will be able to pay back her debt within the established timeframe, and she is also confident that she will give her family financial security.
View original language description ↓
Maria vive junto a su grupo familiar conformado por su esposo y sus hijos en casa propia, ella se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, cuando su cosecha ya esta lista la sale a comercializar a los mercados, tiene mucha clientela que la prefieren por la calidad y los buenos precios; ella necesita invertir en sus cultivos por eso solicita un crédito que le permita comprar semillas, insecticida, fertilizantes, abonos, herbicida, etc. y mejorar el terreno donde desea empezar a cultivar que es el que muestra la fotografía, Maria tiene buenas referencias 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 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
  • 456
    View loans »
    El Salvador Loans Fundraising
  • $23,269,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $300 helped Maria Luz to buy seeds, insecticide, fertilizer, manure, herbicide, etc. and to improve her land.
0% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 3, 2014
May 31, 2014
Currency Exchange Loss: