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Gerardo Antonio
Gerardo is 28 years old. He lives in his own home with his wife and daughter. He has been dedicated to agriculture for many years. Each year he sows the basics like corn, beans and sorghum. He repeats this year after year and it is his main source of income. This is how he earns a living and supports his family.

His dream is to improve his quality of life and that of his family, since they live in very poor conditions and he wants to give them something different. This motivates him to work with more enthusiasm since it is the only way to give his family what they desire.

For these reasons, he decided to go to the institution, INTEGRAL, to request a loan. It will allow him to invest in agricultural supplies like seeds, fertilizers, insecticides and others. He feels that they are necessary to cultivate the land, and to continue supporting his family. He hopes to achieve his goal of giving his family the better quality of life that they deserve.
View original language description ↓

Gerardo de 28 años de edad habita en casa de su propiedad junto con su esposa y su hija. Él se dedica a la agricultura desde hace muchos años. Cada año realiza la siembra de los principales granos básicos como maíz, frijoles y sorgo. Dicha actividad la repite año con año ya que es su principal fuente de ingresos. De esta forma es como se gana la vida y lleva el pan de cada día a su hogar. Su sueño es mejorar su calidad de vida y la de su familia ya que viven en condiciones muy humildes y desea darles algo diferente. Esto lo motiva a trabajar con más entusiasmo ya que solo con el trabajo logrará dar a su familia lo que tanto desea. Es por estas razones que ha tomado la decisión de acercarse a esta institución, INTEGRAL, para solicitar este crédito que le permita invertir en los insumos agrícolas como: semillas, abonos, insecticidas, u otros. Siente que son los necesarios para el cultivo de la tierra y continuar llevando el pan de cada día a su hogar. Espera lograr su objetivo de dar a su familia lo que se merece 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
  • 734
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Gerardo Antonio to buy seeds, fertilizers, insecticides, and other supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 13, 2012
Dec 25, 2012
Currency Exchange Loss:
Feb 21, 2014