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Jose Francisco
José Francisco, who is 25 years old, now lives with his grandparents, and his neighbors provide very good references for him. He is a very entrepreneurial person who likes to work, has very good principles, and who, in spite of his relative youth, already has 10 years of experience in agriculture, specifically in planting basic grains in an agricultural zone especially located on hillsides and flat plains ideal for planting. He also has monthly income since he does masonry work, and thus he is a [loan] client with very good backing. He is applying to INTEGRAL for a loan to buy supplies -- seeds for corn and beans, insecticides, herbicides, etc. -- which will allow him to optimize the quality of his harvest and assure that he will be able to pay the amount of the loan agreed upon. José Francisco trusts that he will give his family a better quality of life.
View original language description ↓
José Francisco de veinticinco años de edad vive actualmente con sus abuelos y sus vecinos proveen muy buenas referencias de él, es una persona muy emprendedora a quien le gusta trabajar, de muy buenos principios y que a pesar de su relativa juventud posee ya diez años de experiencia en la agricultura específicamente en la siembra de granos básicos, en una zona especialmente agrícola ubicada en laderas y planicies ideales para la siembra también posee ingresos mensuales ya que realiza trabajos de albañilería por lo tanto es un cliente con un muy buen respaldo, el cliente solicita un crédito a INTEGRAL para la compra de insumos semilla de maíz y frijol, insecticida, herbicida, etc. que le permitan optimizar la calidad de su cosecha y asegurar poder pagar el monto de el crédito acordado. José francisco 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
  • 582
    View loans »
    El Salvador Loans Fundraising
  • $31,734,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Francisco to buy seeds for corn and beans, insecticides, and herbicides.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Oct 4, 2012
Oct 25, 2012
Currency Exchange Loss:
Apr 18, 2013