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Jose  Maria
Jose is a very responsible man when it comes to his household obligations, as his main characteristic has always been providing the best to his family. He currently lives with his wife and their 3 children ages 8, 6 and 3. He is a corn farmer and he also works as a day laborer in a farm located close to his community. He succeeds in paying for his household’s expenses thanks to the income he earns from his sales and the salary from his job. Jose wants to increase his sales and for this reason he has requested a loan that he will use to buy seeds, manure, fertilizers and other products in order to keep on providing his family with their basic necessities on a daily basis.
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Jose es un hombre muy responsable con sus obligaciones de hogar, ya que siempre se ha caracterizado por brindarle lo mejor a su familia. Actualmente vive junto a su esposa y sus tres hijos de 8, 6 y 3 años de edad, se dedica a ser agricultor siembra maíz y también trabaja de jornal en una finca que esta cerca de su lugar de residencia con las ganancias que obtiene de sus ventas y el pago de su trabajo logra cubrir algunos gastos de su hogar. Jose desea incrementar sus ventas y por eso a solicitado un crédito el cual le permita comprar: semillas, abonos, fertilizantes, entre otras cosas, para seguir llevando el pan de cada día a su hogar.

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
  • 697
    View loans »
    El Salvador Loans Fundraising
  • $29,614,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Jose Maria to buy seeds, manure and fertilizers.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
May 11, 2013
May 21, 2013
Currency Exchange Loss:
May 18, 2014