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Adonay, age 65, has been cultivating the land for many years. He grows corn and sorghum with great dedication. This allows him to bring home the daily bread to his household. He is known for being a hard-working, honest, and responsible man. He lives with his family, which is comprised of his wife and their three children, ages 16, 15, and 11. Together with his wife, they work very hard in order to get their family ahead and to give them better living conditions than what they had.

Thanks to his knowledge of farming, he manages to support his household. It is his main source of income, given that it is the only way he knows to earn an honest living.

With a great desire for improvement, he approached the institution in order to request a loan. This is because planting season has started, and he needs to start planting as soon as possible. That is the reason he is requesting the loan. He needs to buy the agricultural supplies like seeds, fertilizers, and insecticides, etc. in order to plant.

He trusts in God and in his work that this way he will manage to have an abundant harvest. The harvest will allow him to access a better quality of life for himself and for his family.
View original language description ↓
Adonay de 65 años de edad, desde hace muchos años se dedica a cultivar la tierra. Con mucha dedicación cultiva maíz y sorgo, 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 tres hijos de 16, 15 y 11 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 acceder a 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
  • 546
    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 $400 helped Adonay to buy seeds, fertilizers, herbicides and insecticides, etc.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Jun 6, 2013
Jun 17, 2013
Currency Exchange Loss:
Mar 17, 2014