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Jose Manuel
Don Jose, 41 years of age, has been a farmer for 16 years. He cultivates corn, sorghum and vegetables and stores them in the granary that is seen behind him in the photo. From his crop sales he is able to pay household expenses. He lives with his wife and four children in his own house.

He is requesting a loan to purchase fertilizer for his crops because his farm earnings are not sufficient to meet that expense. With the purchase of fertilizer he will be able to have better yields and also improve earnings, which will help his household and enable him to give his family a better life.
View original language description ↓
Don Jose de 41 años de edad se dedica a la agricultura desde hace 16 años, siembra maiz, maicillo y hortalizas y los cultivos los va almacenando en el granero que sale detras de él en la foto, con las ventas que obtiene de sus cultivos logra solventar los gastos que tiene en su hogar, vive con su esposa y sus 4 hijos en casa propia. El esta solicitando un credito para poder comprar fertilizantes para sus cultivos ya que con las ganancias que obtiene no logra solventar ese gasto, con la compra de ese fertiliaznte podra tener mejores cultivos y tambien mejores ganacias que le ayudaran en su hogar y poderle dar a su familia una mejor vida.

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
  • 601
    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 $500 helped Jose Manuel to purchase fertilizer for his crops.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 18, 2013
Apr 17, 2013
Currency Exchange Loss:
Apr 16, 2014