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Jose Roberto
José Roberto is 22 years old, and lives with his daughter. He is a farmer; he grows corn in particular. He has several years of working in this area, and that has given him a great deal of experience that allows him to obtain the best harvests. In addition, when he's not farming, he works as a day laborer to further contribute to the household expenses.

His farm land is located in a place with high agricultural potential. He sells in all the areas surrounding the community. He already has a considerable clientele, as people prefer him because all his product is top-quality, affordably priced, and the service is excellent. José is a man dedicated to his work: striving every day, he does his best to succeed.

He knows that only with effort and perseverance will he achieve the success he so much desires. He wants to make best use of this planting season, and carry out a new investment. But he needs working capital, and that is why he is applying to Integral for a loan that will allow him to buy corn seed, fertilizer, insecticide, tools, etc.

José Roberto has good payment references, and says that he will be able to pay back the debt. At the same time he is confident that he will give his family a better life.
View original language description ↓
José Roberto de veintidós años de edad vive junto a su hija, él se dedica a la agricultura específicamente al cultivo de maíz, tiene varios años de trabajar en el rubro eso le ha regalado mucha experiencia que permite obtener las mejores cosechas, además cuando no cultiva se dedica a trabajar de jornal para complementar los gastos del hogar, el terreno de siembra esta ubicado en un lugar de alto potencial agrícola, comercia en todos los alrededores de la comunidad, ya tiene mucha clientela pues las personas lo prefieren porque todo el producto es de primera calidad y a precios accesibles además de un excelente servicio; José es un hombre entregado a su labor, luchador día a día se esfuerza por salir adelante sabe que solo con esfuerzo y constancia logrará el éxito que tanto desea, en esta temporada de siembra quiere aprovechar y realizar una nueva inversión pero necesita de capital por eso le solicita INTEGRAL un crédito que le permita comprar semilla de maíz, abono, insecticida, herramientas, etc. José Roberto tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez confía que le dará a su familia una mejor vida.

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
  • 381
    View loans »
    El Salvador Loans Fundraising
  • $31,278,675
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $350 helped Jose Roberto to buy corn seed, fertilizer, insecticide, and tools.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 10, 2012
Oct 8, 2012
Currency Exchange Loss:
Apr 18, 2013