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Jose Elizandro
46-year-old Jose has been working in farming for several years. With a great deal of dedication, he grows corn and sorghum, which allows him to earn the daily bread for his household. He's known for being a hard-working, honest and responsible man. He lives with his family, which is comprised of his wife and his four children aged 14, 13, 11 and 9 years. Alongside his wife he works very hard in order to get his family ahead and provide them with better living conditions than the ones they had. Thanks to his knowledge of farming he's able to support his household. It's his main source of income, since it's the only way he knows of earning an honest living. With a lot of drive to succeed, he came to this institution in order to request a loan, because sowing season has begun and he needs to start sowing as soon as possible. That's the reason why he requests the loan, since he needs to invest in the purchase of the farming supplies he needs, such as seeds, compost, insecticide, etc., so that he can sow. He has faith in God and in his work, and trusts that this way he'll succeed in reaping a bountiful harvest which will allow him to improve both his and his family's living conditions.
View original language description ↓
Don jose de 46 años de edad desde hace muchos años se dedica a cultivar la tierra. Con mucha dedicación cultiva maíz y maicillo, lo cual le permite llevar el pan de cada día a su hogar. Se caracteriza por ser un hombre trabajador, honrado y responsable. Habita junto a su grupo familiar el cual está conformado por su esposa y sus cuatro hijos de 14, 13, 11 y 9 años de edad. Junto a su esposa trabajan muy duro para sacar adelante a su familia y darles mejores condiciones a las que ellos han tenido. Gracias a los conocimientos en la agricultura es como logra llevar el sustento a su hogar, que es su principal fuente de ingresos, dado que es la única forma que conoce para ganarse la vida honradamente. Con muchos deseos de superación se acerco a esta institución para solicitar crédito ya que la temporada para la siembra comenzó y es necesario iniciar la siembra lo antes posible. Esta es la razón por la cual solicita el crédito ya que necesita invertir en la compra de los insumos agrícolas necesarios como: semillas, abonos, insecticidas, etc. para la siembra. Confía en Dios y en su trabajo que de esta forma logrará tener una cosecha abundante la cual le permitirá tener una mejor calidad de vida para él y su familia.

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
  • 689
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Jose Elizandro to purchase seeds, compost, insecticide, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
May 27, 2013
Jun 12, 2013
Currency Exchange Loss:
Mar 17, 2014