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Hernan Gilberto
27-year old Hernán Gilberto lives with his wife, children, and mother in his own home. He has worked in agriculture and fishing for several years. He is a committed, enterprising and hardworking man who wishes to provide himself and his family with a more prosperous future. This is very important for him and gives him the motivation to look for better ways of life. He lives in a rural area; his home doesn't have electricity. These days that is a necessity, and Hernán is aware how important it is that his family has a better standard of living.

He has decided to approach INTEGRAL for a loan to buy environmentally sound lighting for his home. Renewable energy will provide an efficient and inexpensive solution and is exactly what he needs so that he has light at night in his home.

Hernán Gilberto is very happy and satisfied with the assistance provided by the loan. He promises to pay back the money and at the same time has faith that God will provide his family with a good life.
View original language description ↓
Hernán Gilberto de veintisiete años de edad vive junto a su compañera de vida, sus hijos y su madre en casa propia, él se dedica a la agricultura y pesca artesanal, desde hace ya varios años, es un hombre dedicado a su labor, decidido y emprendedor quiere un futuro mas prospero para él y su familia que es lo mas importante y lo que la impulsa a buscar mejores alternativas de vida, habita en una zona rural del país y en su vivienda no posee luz eléctrica, en estos días es una necesidad básica para el hogar y Hernán esta consiente que es muy indispensable para que su familia tenga una mejor calidad de vida, por eso decidió solicitarle a INTEGRAL un crédito que le permita comprar una lámpara ahorrativa ecológica que le brinde una solución eficaz para su entorno, es a un precio cómodo al bolsillo, y además con energía auto renovable, es precisamente lo que el necesita para que exista luz por la noche en su vivienda. Hernán Gilberto esta muy feliz y satisfecho con el apoyo, asegura que cancelará la deuda y a la vez tiene fe en Dios que le ofrecerá a su familia una vida plena.

Additional Information

More information about this loan

This loan will help a low-income family purchase environmentally-friendly goods and equipment, including solar products (lights, water pumps, heaters), biodigesters, energy-efficient light bulbs and gas stoves. Lacking electricity, many people in rural El Salvador are forced to use firewood for cooking and kerosene for lighting, expensive solutions that endanger their health and well-being. By funding this loan, you are providing access to greener, healthier alternatives.

This Kiva loan will be either be a cash laon or an in-kind loan.  An in-kind loan is used to provide borrowers with needed goods or services, as opposed to cash or financial credit.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 540
    View loans »
    El Salvador Loans Fundraising
  • $31,800,850
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $150 helped Hernan Gilberto buy environmentally sound lighting for his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 1, 2012
Nov 22, 2012
Currency Exchange Loss:
Feb 21, 2014