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Jose Medardo
José is 52 years old and lives in his own house with his life partner and children. He has been a farmer for many years. He grows basic grains such as rice, beans and corn. Each year he repeats this activity in the way that he has learned, in order to earn a living. He is a hardworking, responsible and enterprising person. He lives in humble conditions with his family. His living situation does not discourage him. It gives him the energy to continue to struggle for a better life. He works really hard to bring bread each day to his home, as he doesn’t have any other source of income. This is why he is requesting a loan from INTEGRAL. He will use the money to buy fertilizer to fertilize his land. This is the time he plants his crops. With faith in God and with his work he hopes to have an abundant harvest of which he will sell a part and keep the rest for his family’s consumption. He hopes to reach his dream of providing a better quality of life for his family.
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José de 52 años de edad y habita en casa de su propiedad junto con su compañera de vida y sus hijos. Él se dedica a la agricultura desde hace muchos años. El cultiva los principales granos básicos como: arroz, frijoles y maíz. Cada año repite esta actividad ya que es la única forma que conoce para ganarse la vida. Es una persona muy trabajadora, responsable y emprendedora. Vive en condiciones muy humildes junto con su familia, pero esta situación no lo desanima si no que le da fuerzas para continuar luchando por una calidad de vida diferente. Trabaja muy duro para llevar el pan de cada día a su hogar ya que no cuenta con otra fuente de ingresos diferente a la agricultura. Es por esta razón solicitar un préstamo a INTEGRAL para invertir en la compra del abono necesario para fertilizar la tierra ya que es la época para realizar la siembra de los diferentes granos. Con mucha confianza en Dios y en su trabajo espera tener una cosecha abundante de la cual pueda vender una parte y dejar otra parte para el consumo. Espera cumplir su sueño de dar 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
  • 568
    View loans »
    El Salvador Loans Fundraising
  • $31,710,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $325 helped Jose Medardo to buy fertilizer to fertilize his land.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Oct 19, 2012
Oct 29, 2012
Currency Exchange Loss:
Feb 17, 2013