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Jose Javier
Jose Javier lives with his wife and his 3 children (15, 12 and 11 years). He supports his family from the sale of staple foods that he grows and the income that he eventually gets from the sale of beef cattle (1 animal every 10 months).

He grows corn and beans, and also fattens cattle to sell them at a heavier weight. He is applying for a loan for planting corn, which is difficult in his area due to the dryness of the land (excessive heat). It is necessary to use irrigation to maintain moisture in the plants.

He will also use the loan to buy herbicides, because as the photo shows, the land is full of weeds which would make planting difficult.
View original language description ↓
Don Jose Javier vive con su esposa y sus 3 hijos (15, 12 y 11 años). El mantiene a su familia de la venta de granos basicos que cultiva y los ingresos que eventualmente le genera la venta de ganado de engorde (1 animal cada 10 meses). El cultiva maiz, frijol y tambien tiene engorda ganado para venderlo con mayor peso. Solicita financiamiento para la siembra de maiz, que en su zona se dificulta por la sequedad de la tierra (excesivo calor) por lo que requiere usar el metodo de regadillo para mantener la humedad de la planta. El financiamiento tambien lo utilizara para la compra de herbicidas, porque tal como muestra la fotografia, la tierra està llena de hierbas que dificultarìan la siembra.

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
  • 552
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Jose Javier to buy materials for planting corn.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Feb 10, 2013
Mar 12, 2013
Currency Exchange Loss:
Aug 18, 2013