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Ricardo Ovidio
Ricardo is 51 years old and lives with his family, which includes his wife and children. He works very hard planting radishes, cucumbers, lettuce, and corn. His whole family works together to plant the vegetables and later sell them at the regional market in the area where they live. Ricardo is lucky to have flat land, which allows him to use natural irrigation, which is a big help to him.

He, as well as his wife and children, wants to have a better future, so he is requesting a loan from INTEGRAL to purchase a larger quantity of corn, lettuce, radish, and other seeds so that he can plant more and improve his sales. This will be an enormous blessing for them.
View original language description ↓
Ricardo de 51 años de edad, vive junto a su familia la cual está compuesta por su esposa e hijos. Él trabaja muy duro sembrando rábanos, pepinos, lechuga y maíz, toda el núcleo familiar colabora en sembrar las verduras y así mismo en comercializarlos en el mercado regional de su zona de vivienda. Ricardo tiene la suerte de poseer un terreno plano lo que le permite realizar el riego de forma natural, esto es una enorme ayuda para él. Tanto él como su esposa e hijos desean tener una vida con un futuro mejor es por esto que solicitan un préstamo INTEGRAL, y poder invertir en la compra de mayor cantidad de semillas de maíz, lechuga, rábano y otras hortalizas más y mejorar las ventas, lo cual será una enorme bendición para ellos.

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
  • 576
    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 $300 helped Ricardo Ovidio to purchase lettuce, radish, and other seeds.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
At end of term
Jan 26, 2013
Feb 10, 2013
Currency Exchange Loss:
Mar 17, 2014