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Jose Alfredo
Jose is 36 years old and lives with his wife and their two children, aged 8 and 6 years, in their own home.

He works growing corn, pumpkins and fruit such as melon and watermelon. He has worked in agriculture for several years and he has gained a lot of experience, which means he gets the best crops. When his crops are ready, he stores them in barns as you can see in the photograph, and later goes and sells them in the surrounding areas of the community. He already has lots of customers who prefer his crops because of the quality, good prices and above all for the good service.

He needs to invest so has applied for a loan to buy seeds for corn, beans, insecticide, herbicide, e.t.c. Jose has good payment references from his acquaintances, and is very responsible. He guarantees that he will be able to pay the debt back within the prescribed period and also hopes to bring financial security to his household.
View original language description ↓
José de 36 años de edad vive junto a su esposa y sus 2 hijos de 8 y 6 años en casa propia, el se dedica al cultivo de maíz, pipianes y fruta como melón y sandia , tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, cuando sus cosechas ya estan listas las almacena en los graneros que muestra la fotografia para luego salir a comercializarlas 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; el necesita invertir por eso le solicita un crédito que le permita comprar semillas de maíz, frijol, insecticida, herbicida, etc. Jose 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
  • 365
    View loans »
    El Salvador Loans Fundraising
  • $31,244,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Alfredo to buy seeds for corn, beans, insecticide, herbicide, e.t.c.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Apr 17, 2013
May 20, 2013
Currency Exchange Loss:
May 18, 2014