Cleofe is 34 years old and lives in a home of her own along with her husband and son. She is a farmer and raises basic grains such as corn and beans. When the harvest is finished, she sells part of the crops and reserves some for personal consumption in her home. She is very enterprising and admirable and to her the most important thing in life is to earn her daily bread in a dignified manner, with her own hands. She has worked as a farmer all her life and this is how she has managed to survive because she doesn’t have another source of income.
As an entrepreneurial and visionary woman she has decided to approach this institution, now that the planting season is approaching and she wants to be prepared. She is asking INTEGRAL for a loan so she can buy seeds, insecticides, compost, and other things so she can start planting as soon as possible and be able to harvest the fruits of her labor. She is confident that she will have an abundant harvest which will allow her to improve her and her family’s quality of life.
Cleofe de 34 años de edad habita en casa de su propiedad junto con su esposo y sus hijo. Ella se dedica a la agricultura de los principales granos básicos como son: maíz y frijol luego de terminar la cosecha comercializa una parte de su cultivo para poder suplir las necesidades de su hogar que cada día son mayores. Ella es una mujer muy emprendedora y admirable lo más importante en la vida es ganarse el pan de cada día dignamente con el trabajo de sus manos .Ha trabajado toda su vida en la agricultura y es así como ha logrado sobrevivir, puesto que no cuenta con otra fuente de ingresos diferente a la agricultura. Como toda mujer emprendedora y visionaria ha tomado la decisión de acercarse a esta institución ya que la fecha para empezar las siembras se aproximan y quiere estar preparada. Es por esta razón que solicita este préstamo a INTEGRAL para invertir en la comprar de los insumos agrícolas como: semillas, insecticidas, abonos u otros. Para comenzar la siembra lo más antes posible y poder cosechar los frutos de su esfuerzo. Confía plenamente que obtendrá una cosecha abundante la cual la cual le permitirá mejorar su calidad de vida y la de su familia
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.