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Luz De Jesús
Luz de Jesús lives with her children. She is a farmer who cultivates corn and beans. She's been working in agriculture for a number of years. She learned to farm when she was very young, and now her children support her so that she can do excellent work and get the best harvests. She cultivates land that is located in an area that has a lot of agricultural potential. The land is suitable for cultivating, and has fertile soil. She sells all of her products in the outskirts of her community, and she already has regular customers who prefer her business because she always has what they need. Also, her prices are affordable and she provides good service.

Luz is a woman who is very devoted to her work. She is responsible and is reaching toward a number of goals. She thinks that we must believe in our ability to accomplish our dreams, because only in this way will we finally achieve success.

Luz wants to increase her production, but she lacks capital and so is requesting a loan from INTEGRAL that would allow her to buy corn and bean seeds, manure, herbicides, tools, etc. Luz de Jesus has good credit references, and she is certain that she will be able to pay back this loan, and at the same time provide her family with a full life.
View original language description ↓
Luz de Jesús vive junto a sus hijos, ella se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura aprendió el oficio desde muy joven y ahora sus hijos la apoyan para realizar un trabajo excelente con las mejores cosechas, el terreno de cultivo esta ubicado en una zona de gran potencial agrícola, apto para la siembra y con suelo fértil, todo el producto obtenido lo comercia en los alrededores de la comunidad y ya tiene mucha clientela fija que la prefiere porque siempre tiene lo que necesitan a precios accesibles además el servicio es muy bueno; Luz es una mujer entrega a su labor, responsable y con muchos objetivos por alcanzar, piensa que hay que creer en la capacidad de alcanzar nuestros sueños porque solo así al final del camino tendrá éxito, quiere aumentar su producción pero no posee de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, abono, herbicida, herramienta, etc. Luz de Jesús tiene buenas referencias de pago asegura que podrá cancelar la deuda y a la vez darle a su familia una vida plena.

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
  • 563
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Luz De Jesús to buy corn and bean seeds, manure, herbicides, tools, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jul 26, 2012
Aug 19, 2012
Currency Exchange Loss:
May 17, 2013