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Norberto, 39, lives with his life companion and their children in his own house. He works growing corn and beans; he’s been working in agriculture for several years and has gained valuable experience that makes it possible for him to get good crop yields. His parcel of farmland is located in an area with fertile soil of high agricultural potential that’s near his house. He sells all around the location and has many customers who prefer him for the good prices, quality products and excellent service.

Norberto is a cheerful, enterprising man who is dedicated to his work. He gives his all to his work every day because he loves what he does and knows it will lead him to success. He had some losses last growing season and he wants to recuperate. He needs to invest which is why he’s asking Integral for a loan to buy corn and bean seeds, insecticide, herbicide, tools, etc. Norberto has good payment references and is responsible. He assures that he will be able to repay the loan while at the same time trusts that he will give his family better quality of life.
View original language description ↓
Norberto de treinta y nueve años de edad vive junto a su compañera de vida y sus hijos en casa propia; él se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y se ha hecho de valiosa experiencia que le permite obtener las mejores cosechas; el terreno de cultivo esta ubicado en una zona de alto potencial agrícola, con suelo fértil y muy cercano a su vivienda, comercia en los alrededores de la localidad y ya tiene mucha clientela que lo prefiere por los buenos precios, el producto de calidad y el excelente servicio; Norberto es un hombre alegre, emprendedor, dedicado a su labor, todos los días se entrega por completo a su trabajo pues ama lo que hace y sabe que eso lo conducirá al éxito, en la ultima temporada de siembra tuvo algunas perdidas y quiere recuperarse, necesita invertir y por eso le solicita a INTEGRAL un credito que le permita comprar semilla de maíz, frijol, insecticida, herbicida, herramienta, etc. Norberto tiene buenas referencias de pago y es responsable, asegura que podrá saldar la deuda y a la vez confía que le dara a su familia una mejor calidad de 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
  • 545
    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 $225 helped Norberto to buy corn and bean seeds, insecticide, herbicide and tools.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 24, 2012
Oct 18, 2012
Currency Exchange Loss:
Apr 18, 2013