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Héctor Osmel
Héctor Osmel is 19 years old. He lives in the home of a relative. His house, like most houses in the community, does not have access to basic housing services because it is located outside of the city. He comes from a humble and simple family, where he learned to value the land and all that it produces, always taking good care of this resource, as his future depends upon it.

Héctor works as a farmer, for 4 years growing corn and loroco [perennial tropical plant which produces an edible flower used in the cuisine of El Salvador and often used as the stuffing for the popular dish of pupusa], and accordingly, it is his only source of income. This is the reason why he has seen the need to ask for a loan, in order to continue with this productive activity, guaranteeing that he will have the financial resources in order to buy seed, fertilizer, insecticides, and working tools.

Héctor wants to have a life with less limitations than he has now, and this is only possible if he obtains the help that he is requesting through Integral, and thus be able to work the land each year in the future.
View original language description ↓

Héctor Osmel, de 19 años de edad, vive en casa de habitación de su propiedad junto a otro pariente. Su casa, como la mayoría de casas en su comunidad, no cuenta con acceso a los servicios básicos de una vivienda por estar ubicada fuera de la ciudad. Proviene de una familia muy humilde y sencilla, donde aprendió a valorar la tierra y todo lo que ella produce. Ya que de el buen cuido que hace de éste recurso, depende su futuro. Héctor, se dedica al trabajo agrícola. Desde hace 4 años, cultiva maíz y loroco. La agricultura es su única fuente de trabajo, y por consecuencia, su única fuente de ingresos. Es por ello, que se ve en la necesidad de solicitar este préstamo, que le permita continuar con ésta actividad productiva, garantizando que tendrá los recursos económicos para la compra de semillas, abonos, insecticidas y herramientas de trabajo. Héctor aspira a tener una vida con menos limitaciones de las que ahora tiene, y eso sólo es posible, si obtiene la ayuda que solicita en INTEGRAL, y así puede cada año trabajar en la tierra y en su futuro.

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
  • 701
    View loans »
    El Salvador Loans Fundraising
  • $29,661,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Héctor Osmel to buy seed, fertilizer, insecticides, and working tools.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 18, 2012
Jun 3, 2012
Currency Exchange Loss:
Apr 18, 2013