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Jose Manuel
José Manuel, 32, lives with his partner and son in their own house. He farms corn and beans and does day labor to help pay his household expenses. He has been working in agriculture for many years and has a lot of valuable experience that allows him to always have good harvests. His land is an accessible location for farming and has fertile soil. He sells everything that he produces in and around his community, since he has a large clientele. People know that whatever he sells is of the best quality and affordable. Plus he offers excellent service.

José is a dedicated, responsible and hardworking man. He has many goals for the future and with success and effort, he hopes to achieve them. Last season, he suffered some crop losses, and he wants to recuperate from them, but he does not have sufficient capital. This is why he is asking Kiva partner INTEGRAL for a loan that will allow him to buy seed corn, beans, herbicide, fertilizer, tools, etc. José Manuel has a good payment history and is happy to get this support. He promises meet his payments and at the same time be able to offer his family a fulfilled life.
View original language description ↓
José Manuel de treinta y dos años de edad vive junto a su compañera de vida y su hijo en casa propia , él se dedica al cultivo de maíz y frijol además trabaja de jornal para complementar los gastos del hogar, tiene varios años de trabajar en la agricultura y se ha hecho de mucha experiencia valiosa que le permite obtener siempre las mejores cosechas, el terreno esta en un lugar accesible apto para el cultivo y con suelo fértil, todo lo que produce lo comercia en todos los alrededores de la comunidad, ya tiene mucha clientela pues las personas saben que todo lo que vende es de primera calidad y a precios accesibles además se caracteriza por tener el mejor servicio; José es un hombre decidido, responsable y muy trabajador, tiene muchas metas para el futuro y con empeño y constancia piensa alcanzarlas, en la ultima temporada de siembra tuvo algunas perdidas y quiere recuperarse pero no posee de suficiente capital por eso le s solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, frijol, herbicida, abono, herramienta, etc. José Manuel tiene buenas referencias de pago y se siente satisfecho con la colaboración, asegura poder saldar la deuda y a la vez ofrecerle a su familia una vida plena.

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
  • 579
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Manuel to buy seed corn and beans, herbicide, fertilizer, and tools.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Dec 26, 2012
Dec 29, 2012
Currency Exchange Loss:
Jan 25, 2014