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Virginia, 44, lives with her life’s companion and their children. She cultivates basic grains, specifically corn. She has spent several years working in agriculture and has the experience that enables her to reap the best harvests. Her farm is located in an accessible area which is suitable for cultivation. She markets all that she produces in the surrounding areas since she has many customers, with people who look for her because she sells high quality products at accessible prices and also provides good service.

Virginia is an energetic, determined woman eager to forge a better future for herself. She wants to succeed and can do so only with effort and dedication. In this planting season she wants to increase production but she needs to buy supplies. Consequently she is requesting a loan from INTEGRAL that will enable her to buy corn seed, compost, herbicides, tools, etc. Virginia has a good record of payment and assures that she will be able to pay off the loan within the established time period. At the same time she hopes to be able to bring economic security to her home.
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Virginia de cuarenta y cuatro años de edad vive junto a su compañero de vida y sus hijos, ella se dedica al cultivo de granos básicos específicamente al cultivo de maíz, tiene varios años de trabajar en la agricultura y se ha hecho de experiencia que le permite obtener las mejores cosechas, el terreno de cultivo esta ubicado en una zona accesible y apta para el cultivo, todo lo que produce lo comercia en los alrededores de la localidad, ya tiene mucha clientela pues las personas lo buscan porque vende producto de calidad y a precios accesibles además del buen servicio; Virginia es una mujer decidida, enérgica y con muchas ganas de forjarse un futuro mejor, quiere alcanzar el éxito y solo con esfuerzo y dedicación podrá lograrlo, en esta época de siembra quiere aumentar la producción pero necesita comprar insumos por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, abonos, herbicida, herramienta, etc. Virginia tiene buen record de pago, asegura que podrá cancelar la deuda en el periodo establecido y a la vez tiene la esperanza que podrá llevar a su hogar seguridad económica.

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
  • 515
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $750 helped Virginia to buy corn seed, compost, herbicides and tools.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 18, 2012
Aug 19, 2012
Currency Exchange Loss:
Apr 18, 2013