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Jose Higinio
José Higinio, who is 43 years old, lives with his life companion and their children. He grows corn and beans. He has worked in agriculture for a number of years, and this has given him very valuable experience. His land is located close to his home. He is well-known is the zone, since he trades throughout the surrounding area. Everything that he sells is of first quality and at affordable prices. In addition, his service is excellent. José is a man who is very dedicated to his work. A visionary, he thinks that the harder he tries, the greater will be the reward. He likes to work hard and increase production, but he needs to invest in supplies. For this reason, he is applying to INTEGRAL for a loan that will allow him to buy seeds for corn and beans, insecticides, tools, and so forth. José Higinio is a responsible man with impeccable morals. He has very good credit references and is sure that he will be able to repay the loan in the established period and at the same time give his family a better quality of life.
View original language description ↓
José Higinio de cuarenta y tres años de edad vive junto a su compañera de vida y sus hijos; Él se dedica al cultivo de maíz y frijol, tiene varios años de dedicarse a la agricultura y eso le ha regalado experiencia muy valiosa, su terreno está ubicado cerca de su residencia, es muy conocido en la zona pues comercia en todos los alrededores, todo lo que vende es de primera calidad y a precios accesibles además el servicio es excelente; José es un hombre muy dedicado a su labor, visionario piensa que entre más se esfuerza más grande será la recompensa, quiere trabajar duro y aumentar la producción pero necesita invertir en insumos por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, insecticida, herramienta, etc. José Higinio es un hombre responsable y con moral intachable tiene muy buenas referencias crediticias y está seguro que podrá saldar el financiamiento en el periodo establecido y a la vez darle a su familia una mejor calidad de vida.

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
  • 716
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Jose Higinio to buy seeds for corn and beans, insecticides, and tools.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
May 21, 2012
Jun 3, 2012
Currency Exchange Loss:
Apr 18, 2013