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Javier lives with his family in his own house. He grows corn, beans and pumpkins. He’s been working in agriculture for several years now and has gained much experience that allows him to always produce the best harvests. He feels proud because his business has had good results. His field is located in an area of intense agricultural activity very near his house. He sells in all the nearby areas and has many customers because people know that everything he sells is top quality at affordable prices with the best service.

Javier is a man who is committed to his work always ready to take advantage of all the opportunities that arise because he knows that’s the only way to attain success. He wants to increase production but needs capital to invest in supplies which is why he’s asking INTEGRAL for a loan to buy corn and bean seeds, fertilizer, herbicide, tools, etc.

Javier is very responsible and has good payment references. He is sure that he’ll repay the loan and at the same time give his family a better quality of life.
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Javier vive junto a su familia en casa propia, él se dedica al cultivo de maíz, frijol y ayote ya tiene varios años de trabajar en la agricultura y se ha hecho de mucha experiencia que le permite obtener siempre las mejores cosechas se siente muy orgulloso porque su negocio le ha dado muy buenos resultados, su terreno está ubicado en una zona de alta incidencia agrícola y está muy cercano a su residencia, comercia en todos los lugares aledaños y ya tiene mucha clientela pues las personas saben que todo lo que vende es de primera calidad, a precios accesibles, y con el mejor servicio; Javier es un hombre dedicado a su labor siempre dispuesto a aprovechar todas las oportunidades que se le presentan pues sabe que solo así lograra el éxito, quiere aumentar la producción pero necesita de capital para invertir en insumo por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, fertilizante, herbicida, herramienta etc. Javier es muy responsable y tiene buenas referencias pago, tiene la certeza que cancelara la deuda y a la vez le dará 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
  • 502
    View loans »
    El Salvador Loans Fundraising
  • $31,360,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Javier to buy seeds, farm supplies and tools.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
May 22, 2012
Jul 2, 2012
Currency Exchange Loss:
Feb 17, 2013