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Melvin Ricardo
Melvin, 38, is a very responsible, hard-working man who lives in his own house with his family. He is a crop farmer and grows mainly corn and beans which he stores in the graneries shown in the photograph. He then sells the grain to different markets near his place of residence.

Melvin wants to increase his sales and is requesting a loan to buy seeds and fertilizer. He is counting on this support since he has no other means of income. This will allow him to put food on the table for his family and cover their needs without limitation.
View original language description ↓
melvin de 38 años de edad es un hombre muy responsable y trabajador vive en casa propia con su familia se dedica a ser agricultora siembra los principales granos basicos maíz y frijol almacena sus cosechas en los graneros que muestra en la fotografia para luego ir a venderlos a los diferentes mercados de granos basicos que estan cerca de su lugar de residencia, melvin desea incrementar sus ventas por eso solicita un crédito el cual le permita comprar: semillas, abonos, fertilizantes, Desea contar con la ayuda solicitada puesto que no tiene otros ingresos monetarios, y así podra seguir llevando el pan de cada dia a su familia y cubrir las necesidadse que se le presentan sin limitación alguna.

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
  • 555
    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 $950 helped Melvin Ricardo to buy farm supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 5, 2013
Apr 26, 2013
Currency Exchange Loss:
Jul 17, 2014