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Delmy Teodora
Delmy lives with her life partner and five children. She farms, specifically, she grows corn and beans. She has worked in agriculture for many years, and this valuable experience has led to great harvests. Her land is located in an agricultural zone. She sells in all the local areas and has regular customers who prefer buying from her because she offers unparalleled service and high quality merchandise at affordable prices.

She wants to take advantage of the growth in business to increase production and, thereby, earn more income. She needs to invest in supplies, but she lacks capital. She has applied to INTEGRAL for a loan to buy seed, manure, pesticide, fertilizer, tools, etc. Delmy has good credit references and is certain she can make her payments on time. At the same time, she is confident she will be able to give her family members the life they deserve.
View original language description ↓
Delmy vive junto a su compañero de vida y sus cinco hijos; ella se dedica a la agricultura específicamente al cultivo de maíz y frijol, tiene muchos años de trabajar en este rubro y se ha hecho de experiencia muy valiosa que le permite obtener las mejores cosechas , el terreno de cultivo está ubicado en una zona de incidencia agrícola, ella comercia en todas las zonas aledañas y ya tiene mucha clientela fija, estas personas siempre prefieren su producto pues es de calidad y a precios realmente accesibles además el servicio es inigualable, quiere aprovechar el auge de su negocio para aumentar la producción y así poder tener mejores ganancias, necesita invertir en insumos pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar semilla, abono, insecticida, fertilizantes, herramienta, etc. Delmy tiene buenas referencias de pago y está segura que podrá saldar su deuda a tiempo, y a la vez tiene la confianza que podrá darle a su familia la vida que se merecen.

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
  • 567
    View loans »
    El Salvador Loans Fundraising
  • $31,710,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Delmy Teodora to buy seed, manure, pesticide, fertilizer, tools, etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Jun 24, 2013
Jun 30, 2013
Currency Exchange Loss:
May 18, 2014