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Update on Julio

Julio lives with his life partner in a home of his own. He is a farmer and raises corn and beans and also raises livestock to help meet the household expenses. He has been doing this for several years and this experience allows him to obtain better harvests. His farmland is located in a very agricultural zone near his home zone and he sells in the surrounding areas to many customers because he sells quality products, at good prices, with excellent service.

Julio is an enterprising man with many desires to get ahead and who is always looking for new opportunities. He had some losses during his last harvest and he wants to recover, so he has requested a loan through INTEGRAL. This will allow him to buy corn and bean seeds, and fertilizer, insecticide, livestock, etc. Julio comes with good payment references and is a very responsible man. He is very grateful for the assistance and is certain that he will be able to get out of debt and provide a better quality of life, full of comforts, to his family who deserves it.
View original language description ↓
Julio vive junto a su compañera de vida y su hijo en casa propia; él se dedica a la agricultura específicamente al cultivo de maíz y frijol además a la crianza de ganado para complementar los gastos del hogar; tiene varios años de trabajar en el rubro y se ha hecho de mucha experiencia que le permite obtener las mejores cosechas, el terreno de cultivo está ubicado en una zona de mucha incidencia agrícola muy cercano a la zona donde reside, comercia en todos los lugares aledaños y ya tiene mucha clientela pues todo lo que vende es de primera calidad y a precios accesibles además el servicio es excelente; Julio es un hombre emprendedor con muchas ganas de salir adelante siempre está a la expectativa de nuevas oportunidades que se le presentan, en la última cosecha tuvo pérdidas y quiere recuperarse por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, fertilizante, insecticida, ganado, etc. Julio tiene buenas referencias de pago y es muy responsable, esta muy agradecido con la ayuda por eso asegura que pagara la deuda y a la vez le dará a su familia una mejor calidad de vida llena de las comodidades que se merecen.

Previous Loan Details

Julio, 55 years old, lives with his life partner and children. He works cultivating corn and beans, and has a lot of experience in the subject since he has worked a lot of years in the agricultural business. He has gained a big clientele; the demand has increased because everything he cultivates ... More from Julio's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 490
    View loans »
    El Salvador Loans Fundraising
  • $31,345,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Julio to buy supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Nov 30, 2012
Dec 27, 2012
Currency Exchange Loss:
May 17, 2013