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María Gumercinda

Update on María Gumercinda

María lives in a house that’s her property with her family group: her husband and children. She works in agriculture growing basic grains like corn and beans. She does this work with her husband and this is how they manage to provide daily bread for their home.

María is an enterprising, hardworking and very responsible woman. She’s always worked in agriculture so knows very well how to do this work. She does this work every year and sells part of her harvest and uses the remaining part for home consumption. This is how she’s gradually been getting ahead and providing basic nutrition for her family.

She lives with her family under very humble conditions which leads her to find the strength to continue striving towards a different future. She’s decided to ask INTEGRAL for a loan to buy farm supplies like seeds, manure, insecticide, etc. This is how she earns her living and provides daily bread for her home. She hopes this year’s harvest will be favorable and to reach her dream.
View original language description ↓
Maria habita en casa de su propiedad junto con su grupo familiar su esposo y sus hijos. Ella se dedica a la agricultura de granos básicos como maíz, frijol. Esta actividad la realiza junto a su esposo y es así como logran llevar el pan de cada día a su hogar. Maria es una mujer emprendedora, trabajadora y responsable. Siempre se ha dedicado a la agricultura por lo que conoce muy bien la manera de hacer esta activada. Cada año realiza esta actividad de la cual vende una parte de su cosecha y la otra la deja para consumo. Es así como poco a poco va saliendo adelante y dando a su familia el alimento básico. Vive en condiciones muy humildes junto con su familia, esto la hace agarrar más fuerzas para seguir luchando por un futuro diferente. Ha tomado la decisión de solicitar este crédito a INTEGRAL para invertir en los insumos agrícolas como: semillas, abonos, insecticidas, etc. Es así como se gana la vida y lleva el pan de cada día a su hogar. Espera que este año la cosecha sea favorable y logre cumplir su sueño.

Previous Loan Details

María Gumercinda’s a very hardworking, responsible mother who together with her husband works hard to provide everything necessary for their two children who are students. María grows corn, beans, sorghum and vegetables like cabbage, tomatoes and others. She sells all these products in variou... More from María Gumercinda's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 733
    View loans »
    El Salvador Loans Fundraising
  • $29,699,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped María Gumercinda to buy farm supplies like seeds, manure, insecticide, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 12, 2013
Mar 4, 2013
Currency Exchange Loss:
Mar 17, 2014
This photo was used before for a previous loan for María Gumercinda. It was first posted on Kiva on Aug, 2012. Learn More