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Rafael, 26, lives with his life partner and son in a rented house. He grows corn, sells watermelon, and works as a day laborer to meet his household expenses. Years of labor have provided him with valuable experience to achieve the best harvests and good profits. His land is located in a farming area close to his house. He does business in all the surrounding areas and has many loyal customers because he always offers good service and the items they need at affordable prices.

Rafael is dedicated to his work, energetic, and anxious to make his life better. He works very hard because he knows that this is the only way to achieve success. He wants to increase production to meet higher demand and is applying to INTEGRAL for a loan to buy corn seed, watermelon, insecticide, and tools. Rafael has good credit references and is certain he will be able to repay his loan. At the same time, he hopes to earn more income for his family.
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Rafael de veintiséis años de edad vive junto a su compañera de vida y un hijo en casa alquilada; él se dedica a la agricultura específicamente al cultivo de maíz además para complementar los gastos del hogar vende sandia y trabaja de jornal, los años de trabajo le han dado experiencia valiosa que le ha permito obtener las mejores cosechas y al mismo ha obtenido muy buenas ganancias; el terreno donde se cultiva esta ubicado en una zona de alta incidencia agrícola y muy cercano a su vivienda; comercia en todos los alrededores de la localidad y ya tiene mucha clientela que lo prefiere porque siempre tiene lo que necesita a precio accesible además de un buen servicio; Rafael es un hombre dedicado a su labor, enérgico, y con muchas ganas de hacer algo mejor en su vida por eso se entrega al máximo sabe que solo así alcanzara el éxito; ahora que aumento la demanda quiere aumentar la producción por eso le solicita a INTEGRAL un crédito que le permita comprar semilla de maíz, sandia, insecticida, herramienta, etc. Rafael tiene buenas referencias de crédito, asegura que podrá saldar la deuda y a la vez tiene la esperanza que podrá llevar el dinero a su hogar.

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
  • 718
    View loans »
    El Salvador Loans Fundraising
  • $29,637,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Rafael to buy corn seed, watermelon, insecticide, and tools.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Dec 19, 2012
Jan 2, 2013
Currency Exchange Loss:
Feb 21, 2014