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Francisco, 57 years of age, lives with his children in their own home. He works in agriculture, specifically the cultivation of corn, and he has been doing this for 31 years. He is very proud because his many years of work have given him very valuable experience that he uses daily in his work, which allows him to obtain the best harvests. The land that he cultivates is located in a very strong agricultural region, a perfect place for planting with fertile soil. He sells in the areas surrounding his community and he has many clients who prefer his goods as he sells quality products at a low price. More than anything, his clients appreciate the good service he provides, as he is an extremely friendly person.

Francisco is a very dedicated and hardworking man who is always waiting for opportunities that will open his path to success. He works hard every day to achieve his dreams. In this planting season he would like to increase his production but he needs capital in order to be able to do so. As a result he is asking Apoyo Integral for a loan that will allow him to buy corn seeds, fertilizer, tools, and insecticide among other things. Francisco has good references and assures us that he will repay his debts while providing his family with the better quality of life that they deserve.
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Francisco de cincuenta y siete años de edad vive junto a sus hijos en casa propia, él se dedica a la agricultura especialmente al cultivo de maíz, tiene 31 años de trabajar en el rubro y se siente muy orgulloso porque eso le ha regalado experiencia muy valiosa que utiliza diariamente en su labor y la que le permite obtener siempre las mejores cosechas, el terreno de cultivo esta ubicado en una zona de alta incidencia agrícola, un lugar apto para la siembra con suelo fértil, comercia en los alrededores de la comunidad y tiene mucha clientela que lo prefieren porque vende producto de calidad a precios bajos, pero sobre todo por el buen servicio, él se caracteriza por su gran amabilidad; Francisco es un hombre decidido y muy trabajador siempre esta a la expectativa de las oportunidades que le abrirán camino al éxito, se esfuerza día con día para alcanzar sus sueños, en esta temporada de siembra quiere aumentar la producción pero necesita de capital que lo respalde por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, abono, herramienta, insecticida, etc. Francisco tiene buenas referencias de pago y asegura que pagara la deuda al mismo tiempo que le dará a su linda familia una mejor calidad de vida como se la merecen.

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

  • $7,500
    Average annual income
  • 472
    View loans »
    El Salvador Loans Fundraising
  • $31,326,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Francisco to buy corn seeds, fertilizer, tools and insecticide.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jul 5, 2012
Aug 10, 2012
Currency Exchange Loss:
May 17, 2013