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Teodoro lives alone in his own home. He lives in humble conditions. He does not have the basic services, except for water. He has been working as a farmer for many years. Each year he repeats the same work, planting and later harvesting a crop which he sells. Besides agriculture he also learned masonry work, sometimes getting work that gives him an extra income in order to survive. He is an entrepreneur who also works breeding pigs. He has good relations in the area where he lives, as he is a responsible man, hard working, and respectful. He has earned the trust of many people who need basic grains at harvesting time. It is worth mentioning that in the past he was affected by the rains, which meant problems as he didn’t have another source of income without the harvest and could not get the necessary funds to cover his necessities and responsibilities. He is asking for a loan from the institution hoping to have a favorable response. The loan will be used for the purchase of necessary agricultural supplies (seeds, fertilizer, pest control, etc.). He trusts in God that he will have an abundant crop that will permit him to pay his loan and provide a livelihood.
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Teodoro, habita solo en casa de su propiedad. Vive en condiciones muy humildes. No cuenta con los servicios básicos, excepto por el agua. Él se dedica al cultivo de la tierra desde hace muchos años. Cada año repite la misma actividad, de sembrar y luego recoger la cosecha la cual pone a la venta. Además de la agricultura también aprendió el oficio de albañilería, en ocasiones realiza trabajos que le permiten percibir otros ingresos para poder subsistir. Es un hombre emprendedor el cual también se dedica a la crianza de cerdos. Tiene muy buenas relaciones en la zona donde vive, ya que es un hombre responsable, laborioso y respetuoso. Ha sabido ganarse la confianza de muchas personas las cuales demandan los granos básicos una vez sale la cosecha. Vale la pena mencionar que en el pasado fue afectado por las lluvias, esto le generó problemas ya que no cuenta con otra fuente de ingresos y sin la cosecha no pudo sacar los ingresos necesarios para cubrir sus necesidades y responsabilidades. Solicita este crédito a esta institución esperando tener una respuesta favorable. El crédito lo invertirá en la compra de los insumos agrícolas necesarios (semillas, abonos, insecticidas, etc.) Confía en Dios que logrará una cosecha abundante que le permitirá cancelar el crédito y llevar el sustento a su hogar

Additional Information

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
  • 366
    View loans »
    El Salvador Loans Fundraising
  • $31,244,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Teodoro to buy seeds, fertilizer, and pest control.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
May 12, 2012
Jun 2, 2012
Currency Exchange Loss:
Feb 17, 2013