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Herminia is 40 years old and lives with her family, her husband and children. She is a very hard-working, entrepreneurial, honest and visionary woman. Every morning she gets up with new aspirations and desires to improve her situation. She cultivates the most important staple grains in her area which are corn and beans. She has done this daily throughout her life.

The most important things to her are that her children are well and that her home doesn't lack food. For this reason, she has requested a loan from INTEGRAL to buy agricultural supplies such as: fertilizers, pesticides, seeds and compost so that she will have better harvests and thus sell at better prices as she has done all her life.

Most of all, it will allow her provide for her household's daily needs.
View original language description ↓
Herminia de 40 años de edad habita unto a su familia, su esposo y sus hijos. Es una mujer muy trabajadora, emprendedora, honesta y visionaria, todas las mañanas se levanta con nuevas aspiraciones y deseos de superación. Herminia se dedica al cultivo de los principales granos básicos de la zona como lo son maíz y frijol y lo hace a diario, durante toda su vida ha sido así, lo que a ella más le importa en la vida es que sus hijos estén bien y que en su hogar no haga falta el pan de cada día es por eso que solicita a INTEGRAL un préstamo para la compra de insumos agrícolas como: fertilizantes, pesticidas, semillas y abonos para tener los mejores cultivos y así venderlos a mejores precios como lo ha hecho durante toda su vida y sobre todo seguirle permitiendo llevar el sustento diario 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
  • 493
    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 $450 helped Herminia to buy fertilizers, pesticides, seeds and compost.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jan 26, 2013
Feb 5, 2013
Currency Exchange Loss:
Feb 21, 2014