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Jose Rafael
José lives in his own home with his wife and three children. He is well-known in his area and has good credit references who indicate that he is responsible and honest. José has worked many years as a farmer on his own land, growing corn and beans. He sells what he produces, but he also raises and sells cattle, which has allowed him to get ahead.

José is requesting a loan so that he can prepare for the next planting season. The loan will provide everything he needs including seeds, pesticides, compost, and other supplies. He will also buy a steer so that he can increase his cattle herd and generate more income.

José is a hardworking individual who has great dreams of succeeding and providing the best for his family.

View original language description ↓
José reside en casa propia junto a su esposa y tres hijos, él es una persona muy conocida en la zona y cuenta con muy buenas referencias ya que es responsable y honesto. José posee muchos años trabajando como jornal en su propio terreno, sembrando maíz y frijoles, así mismo se dedica a la venta, crianza y compra de ganado vacuno, con lo que ha logrado salir adelante. Él solicita un préstamo para prepararse para la siguiente época de siembra, de modo que cuente con todo lo necesario como: semillas, pesticidas, abono y otros más. Así también comprara un novillo para aumentar su ganado el cual le deja ganancias muy buenas. José es muy trabajador y cuenta con grandes deseos de superarse y darle lo mejor 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
  • 550
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Jose Rafael to buy farming supplies and a steer.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Nov 16, 2012
Nov 26, 2012
Currency Exchange Loss:
Nov 17, 2013