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Oscar Armando
Oscar is 50 years old and lives in his own home, with his life partner and children. He has been working in agriculture for many years. Every year he harvests the main bulk grains of his growing zone, like corn, beans and sorghum. Agriculture is his main source of income and it is the way that he earns a living and supports his family.

His dream is to improve his standard of living and that of his family. They live in very humble conditions and he wants to give them something better. This motivates him to work with more enthusiasm, because with a lot of effort and work he will be able to provide for his family in the way that he so desires. It is for this reason that he decided to approach Integral to apply for this loan, which allows him to invest in agricultural supplies like manure, insecticides, etc. These are necessary for cultivating the earth and to continue supporting his family.
View original language description ↓
Oscar de 50 años de edad habita en casa de su propiedad junto con su compañera de vida e hijos. Él se dedica a la agricultura desde hace muchos años. Cada año realiza la siembra de los principales granos basicos de la zona como son maiz y frijol y maicillo. Dicha actividad es su principal fuente de ingresos y es de esta forma como se gana la vida y lleva el sustento a su hogar. Su sueño es mejorar su calidad de vida y la de su familia ya que viven en condiciones muy humildes y desea darles algo mejor. Esto lo motiva a trabajar con más entusiasmo ya que con mucho esfuerzo y trabajo logrará dar a su familia lo que tanto desea. Es por eso que ha tomado la decisión de acercarse a INTEGRAL para solicitar este crédito que le permita invertir en los insumos agrícolas como abonos, insecticidas, etc. necesarios para el cultivo de la tierra y continuar llevando el pan de cada día 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
  • 383
    View loans »
    El Salvador Loans Fundraising
  • $31,259,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $975 helped Oscar Armando invest in agricultural supplies like manure, insecticide, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 5, 2013
Feb 24, 2013
Currency Exchange Loss:
Mar 17, 2014