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Manuel Armando
Manuel, 39, lives in his own house with his family. He makes a living growing basic grains: corn, beans, and millet. This is his main source of income. He has done this work for a long time and it's how he earns an honest living. He's a very responsible and honest man who is dedicated in his job. He's very well known among his neighbors, who give him good references for both his work and his character.

He does this job every year because he's a very humble person of few resources who doesn't have the means to do any other type of business or work because he lacks an education. This year, as in the past, he decided to grow a crop, and because it's already time to plant, he wants to be ready with the necessary supplies to grow the main basic grains. This is why he's requesting a loan from Integral, because he doesn't have the financial resources necessary to make the investment.

He's going to invest the loan in agricultural inputs, including seeds, fertilizer, and insecticide. This way he hopes to grow the main basic grains of the year and continue supporting his family.
View original language description ↓

Manuel tiene 39 años de edad y habita en casa de su propiedad junto con su familia. Se dedica al cultivo de granos básicos como: maíz, frijoles y maicillo. El cultivar esos granos son su principal fuente de ingresos. Ha realizado esta actividad por mucho tiempo y es así como se gana la vida honradamente. Él es un hombre muy responsable, honesto y dedicado en su trabajo. Es muy conocido por sus vecinos los cuales dan buenas referencias de su trabajo como de su persona. Cada año repite está actividad ya que es una persona muy humilde y de escasos recursos el cual no puede accesar a otro tipo de negocio o trabajo por carecer de mayor preparación académica. Este año al igual que los anteriores ha decidido cultivar la tierra y ya que aún es tiempo para sembrar, quiere estar preparado con los insumos agrícolas necesarios para cosechar los principales granos básicos. Esta es la razón por la cual solicita crédito a INTEGRAL, ya que no cuenta con los recursos económicos necesarios para realizar la inversión. El crédito lo invertirá en la compra de insumos agrícolas como: semillas, abonos, insecticidas, u otros. De esta forma espera lograr cultivar los principales granos básicos de este año y así continuar llevando el pan de cada día a su familia.

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
  • 531
    View loans »
    El Salvador Loans Fundraising
  • $31,794,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $475 helped Manuel Armando to buy seeds, fertilizer, insecticide, and other agricultural inputs.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Oct 10, 2012
Oct 26, 2012
Currency Exchange Loss:
Apr 18, 2013