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Salvador Oswaldo
Salvador Oswaldo lives in his own house with his family. He grows and sells corn. Every year he repeats the business activity of planting the seeds, gathering his harvest, and then selling part of the crop. The other part is for consumption. This is his main source of income, and it is how he earns a living every day in order to help his family.

Salvador is known for being a hard-working, honest, and very responsible man. A lot of people give him good references, and they trust the product that he sells.

That is why he made the decision to visit the Intergral offices in order to request a loan. The loan will allow him to buy basic farming supplies like seeds, insecticides, and fertilizers, etc. With these supplies he will continue cultivating the land in order to harvest the product that allows him to bring home the daily bread.

He trusts in God and his work that he will get very good results, and that he will be able to achieve his dream of improving his family’s quality of life.
View original language description ↓

Salvador Oswaldo, vive en su casa propia junto a su grupo familiar. Él se dedica al cultivo y comercio de maíz. Cada año repite esta actividad, siembra la semilla, recoge su cosecha y luego pone a la venta una parte y otra la deja para consumo. Esta es su principal fuente de ingresos y es así como se gana la vida día con día para ayudar a su familia. Salvador se caracteriza por ser un hombre trabajador, honesto y muy responsable. Muchas personas dan buenas referencias de él y confían en el producto que comercializa es por eso que tomo la decisión de visitar las oficinas de INTEGRAL para solicitar un crédito el cual le permita comprar los principales insumos agrícolas como son semillas, insecticidas, abonos, etc. y continuar así cultivando la tierra para cosechar el producto que le permita llevar el pan de cada día a su hogar. Confía en Dios y su trabajo que obtendrá muy buenos resultados y podrá lograr su sueño de mejorar su calidad de vida y la de su familia.

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
  • 399
    View loans »
    El Salvador Loans Fundraising
  • $31,285,025
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $250 helped Salvador Oswaldo to buy basic farming supplies like seeds, insecticides, and fertilizers, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jul 25, 2012
Aug 14, 2012
Currency Exchange Loss:
Apr 18, 2013