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Osiris Odir
Osiris Odir, 25 years old, lives with his life partner and son in a very welcoming home. Osiris, who was well referenced, is a very responsible person and a very enterprising young man who likes to work very vivaciously. He is well respected by his acquaintances from whom he got very good references. He works with basic grains, as a day laborer, and in coffee harvesting; farming in one of the major production zones for beans. Everything he produces he sells in different areas of his community. The demand increased which is why he asks INTEGRAL for a loan that will allow him to buy the supplies to well fertilize the beans because this way they will be in good condition and yield good foliage, which would allow him to get the best out of this harvest and increase his profits from what he believes has been a very good crop. And he can use the loan to improve the quality of life for himself and his family, and he is sure that he can cover the value of the loan.
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Osiris Odir de veinticinco años de edad vive con su compañera de vida y un hijo en una vivienda muy acojedora, Osiris quien fue muy bien referenciado es una persona muy responsable, un joven muy emprendedor a quien le gusta trabajar muy vivaz, es de mucho respeto por sus conocidos por lo cual obtuvo muy buenas referencias trabaja con granos básicos, como jornalero y en la corta de café, cultiva en una de las mayores zonas de producción del frijol y todo lo que produce lo comercia en diferentes zonas de la comunidad, aumento la demanda por lo que le solicita INTEGRAL un crédito que le permítala compra de los insumos para una buena fertilización del frijol ya que este se encuentra en muy buenas condiciones y presenta un buen follaje, que le permitiría obtener el mayor provecho de esta cosecha y aumentar sus ganancias en lo que cree ha sido una muy buena siembra y puede utilizar el crédito para mejorar la calidad de vida de él y su familia y asegura poder cubrir el valor de el préstamo.

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
  • 360
    View loans »
    El Salvador Loans Fundraising
  • $31,244,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $275 helped Osiris Odir to buy corn and bean seed, insecticide, fertilizer, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Sep 29, 2012
Oct 25, 2012
Currency Exchange Loss:
Apr 18, 2013