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Vilma Elizabeth
Vilma is 39 years old and lives together with her spouse and her children. She is a farmer of basic grains such as corn and beans, and also has some feeder animals. She is a very enterprising and admirable woman. She never tires of her daily work since, for her, the most important thing in life is to earn her daily bread in a dignified way: working with her hands. Every time a crop comes to harvest, she sells a part of it, and the other part she keeps for her family's daily consumption.

She has worked all her life in agriculture, and it is in this way that she has been able to survive. Like all enterprising and visionary women, she has made the decision to come to INTEGRAL. The starting date for sowing seeds is growing near and she would like to be prepared with various farming supplies such as seeds, insecticides, fertilizers, etc. so that she can begin as soon as possible and thus be able to harvest the fruits of her labor. She is fully confident that she will obtain a bountiful harvest, which will improve her quality of life and that of her family as well.
View original language description ↓
Vilma de 39 años vive junto a su esposo y sus hijos. Ella se dedica a la agricultura de los principales granos básicos como son: maíz y frijol y posee también animales de engorde. Ella es una mujer muy emprendedora y admirable, no se cansa de realizar esta actividad ya que para ella, lo más importante en la vida es ganarse el pan de cada día dignamente con el trabajo de sus manos, cada vez que termina la cosecha vende cierta parte y otra la deja para el consumo diario . Ha trabajado toda su vida en la agricultura y es así como ha logrado sobrevivir. Como toda mujer emprendedora y visionaria ha tomado la decisión de acercarse a INTEGRAL ya que la fecha para empezar las siembras se aproximan y quiere estar preparada con diversos 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.

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
  • 491
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Vilma Elizabeth to buy farming supplies such as seeds, insecticides, fertilizers, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 25, 2013
Feb 1, 2013
Currency Exchange Loss:
Feb 21, 2014