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Cruz Gladis
Cruz is 31 and lives with her two children in their own house. She grows corn and beans. She has garnered much experience from her years of farming that has helped her achieve better harvests. She sells her crops on the outskirts of the community and has many customers who buy from her because she offers quality, good prices, and good service.

She has applied for a loan to invest in her business by buying corn and bean seeds, pesticide, weed killer, and more and by improving her cropland, which is shown in the photo. Cruz has established credit references and is very responsible. She is sure she will be able to pay her loan on time and bring her family financial security.
View original language description ↓
Doña Cruz de 31 años de edad vive con sus dos hijos en casa propia, ella se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, sus cosechas las comercia en los alrededores de la comunidad, ya tiene mucha clientela que la prefiere por la calidad, los buenos precios y sobre todo por el buen servicio; ella necesita invertir por eso le solicita un credito que le permita comprar semillas de maíz, frijol, insecticida, herbicida, etc. y poder mejorar su terreno que muestra la fotografia donde siembra sus cultivos. Doña Cruz tiene buenas referencias de pago por parte de sus conocidos, y es muy responsable, asegura que podrá cancelar la deuda en el periodo establecido y a la vez confía que llevara a su hogar seguridad económica.

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
  • 561
    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 $300 helped Cruz Gladis to improve her land and to buy manure, fertilizer, seed, and more.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Apr 22, 2013
May 14, 2013
Currency Exchange Loss:
Mar 17, 2014