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Jose Julian
Jose Julian, 39 years old, lives with his common-law wife and their children in their own house. He works growing sweetcorn, and has spent many years working in agriculture. Since he was very little, his father taught him the profession and now he has acquired a good deal of experience that allows him to obtain better harvests to sell. The land that he cultivates is located in a zone of high agricultural potential, and is close to where he lives. All of the sweetcorn that he produces he sells in the surrounding communities. He has many steady customers that prefer him to other growers because he always fills their needs with high-quality products at reasonable prices, in addition to his good service.

Jose is a man who is selfless in his work, energetic, and above all motivated to find new opportunities that allow him to be successful. He wants to increase his production but he needs the capital necessary to do so, for this reason he is asking for a loan from INTEGRAL that will allow him to buy seedcorn, fertilizer, insecticide, tools, etc. Jose Julian has good references and is very thankful for the help. He is sure he will be able to pay back the debt and at the same time offer his family a better quality of life.
View original language description ↓
José Julián de treinta y nueve años de edad vive junto a su compañera de vida y sus hijas en casa propia, él se dedica al cultivo de maíz elotero y ya tiene varios años de trabajar en la agricultura, desde pequeño su padre le enseño el oficio y hoy ha adquirido gran experiencia que le permite obtener las mejores cosechas para la venta, el terreno de cultivo se ubica en una zona de alto potencial agrícola y esta cercano a donde vive, todo el elote que produce lo vende en los alrededores de la comunidad y tiene mucha clientela fija que lo prefieren porque siempre tiene lo que necesitan con producto de calidad y a precios accesibles además del buen servicio; José es un hombre entregado a su labor, enérgico y sobre todo motivado de buscar nuevas oportunidades que le permitan alcanzar el éxito, quiere aumentar la producción pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, abono, insecticida, herramienta, etc. José Julián tiene buenas referencias de pago y esta muy contento con la ayuda, asegura poder saldar la deuda y a la vez ofrecerle 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
  • 460
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Jose Julian to purchase seedcorn, fertilizer, insecticide, and tools so he can grow corn to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Oct 24, 2012
Oct 31, 2012
Currency Exchange Loss:
Apr 18, 2013