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Josefa, age 33, lives with her family. She has resided in her home for 10 years, thanks to God. Josefa has always had the drive to succeed and is known for being an entrepreneur. She performs the household duties and also helps her husband with his work. Like her husband, Josefa is farmer and rents a small plot land on which she grow basic crops that are local to the area such as corn and beans.

Josefa wants to generate more income from her next harvest. For this reason, she is requesting a loan from Apoyo Integral in order to buy farming supplies such as seeds, compost, fertilizers, herbicides, and other items. In turn, she will be able to pay the rent on her land since she has no other income. This is the only way that she knows how. Josefa hopes that the assistance she requested will arrive so that her household will not lack in its daily needs.
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Josefa de 33 años de edad, vive junto a su grupo familiar. Desde ya 10 años reside en casa propia gracias a Dios, siempre con el deseo de superación se caracteriza por ser emprendedora con sus que haceres domésticos y a la vez ayudarle a su esposo en su trabajo. Josefa al igual que su esposo se dedica a ser agricultor y alquila una pequeña parcela donde cultiva los granos básicos de la zona como lo son maíz y frijol, La cliente desea en estas próximas cosechas tener más ganancias es por esa razón que solicita INTEGRAL un préstamo el cual le permita comprar insumos agrícolas como: semillas, abonos, fertilizantes, herbicidas entre otros; Y a su vez pagar el alquiler de la parcela ya que no cuenta con otros ingresos y esto es lo único que sabe realizar. Espera que la ayuda solicitada llegue así en su hogar no faltara el pan de cada día.

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
  • 721
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Josefa to buy seeds, compost, fertilizers, herbicides, and other supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 19, 2013
Mar 5, 2013
Currency Exchange Loss:
Mar 17, 2014