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Irma Mercedes
Irma is 37 years old and she lives in her own house with her five children and her husband. She has worked in agriculture for ten years. She plants the main basic grains like corn and beans. With the earnings she obtains from her sales she manages to cover the household expenses.

Irma is requesting a loan to be able to purchase the necessary supplies for her harvest like manure, seeds and fertilizers, to improve the land, which is shown in the photograph and is where she does her plantings, and thus obtain better earnings with her sales in order to be able to give her family better financial stability.
View original language description ↓
Doña irma de 37 años de edad vive en casa propia con sus 5 hijos y su esposo ella se dedica a la agricultura desde hace 10 años siembra los principales granos básicos maíz y frijol con las ganancias que obtiene de sus ventas logra solventar los gastos de su hogar, Doña Irma solicita un crédito para poder comprar los insumos necesarios para su cosecha como. Abono, semillas, fertilizantes, etc. Y para mejorar el terreno que muestra en la fotografía que es donde hace sus siembras y asi obtener mejores ganancias con sus ventas para poder darle a su familia una mejor estabilidad 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
  • 549
    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 Irma Mercedes to purchase seeds, fertilizers, manure, etc.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Apr 30, 2013
May 15, 2013
Currency Exchange Loss:
Apr 16, 2014