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Jose Apolinario
José, age 40, lives with his family, his wife, and his children. He is a very enterprising man. He has always been known for being the one who is mainly responsible for his household’s daily bread.

His neighbors admire him for his virtues. In spite of life’s adversities, he has always worked, and he has been responsible for his wife and children.

José is a farmer. He grows the main basic grains in the area like corn and beans. That is how he covers the necessities for his household.

José wishes to continue growing and selling. That is why he approached INTEGRAL to request a loan. He will use the loan to buy seeds, manure, fertilizer, and pesticide, etc. He wishes to have the help. He leaves it clear in advance that he hopes to get out of debt earlier than anticipated.
View original language description ↓
José de 40 años de edad habita junto a su familia, su esposa y sus hijos es un hombre muy emprendedor que siempre se ha caracterizado por ser el principal responsable de que en su hogar no falte el pan de cada día. Por sus cualidades sus vecinos lo admiran porque a pesar delas adversidades de la vida siempre se ha trabajado y ha sido responsable con sus hijos y su esposa. José se dedica a la labor de ser agricultor cultiva los principales granos básicos de la zona como son maíz y frijol, y así va sufragando las necesidades de su hogar. José desea seguir cultivando y vendiendo es por eso que se acercó a INTEGRAL para solicitar un crédito para comprar insumos agrícolas como: Semillas, Abonos, Fertilizantes, pesticidas etc. Desea contar con la ayuda y de ante mano deja claro que espera saldar la deuda antes de lo previsto.

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
  • 431
    View loans »
    El Salvador Loans Fundraising
  • $31,312,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Apolinario to buy farming supplies like seeds, manure, fertilizer, and pesticide, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 8, 2013
Feb 28, 2013
Currency Exchange Loss:
Mar 17, 2014