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Rufino Armando
Rufino, 58, lives with his life’s companion and their six children in his own house. He works growing corn and beans and has been working in agriculture for several years so he’s acquired much experience that allows him to obtain the best crops. When they are ready to be harvested he stores them in silos like the one shown in the photo to then go out selling them around the community. He already has many customers that prefer him for the quality, good prices and above all good service.

He needs to invest which is why he’s asking for a loan that will make it possible for him to buy seeds, insecticide, herbicide, etc. His acquaintances give Rufino good payment references and he’s very responsible; he’s sure that he will be able to repay the loan in the established time frame while at the same time trusts that he will provide economic security at home.
View original language description ↓
Don Rufino de 58 años de edad vive junto a su compañero de vida y sus seis hijos en casa propia, el se dedica al cultivo de maíz y frijol, 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 están listas las almacena en los graneros que muestra la fotografía para luego salir a comercializarlas en los alrededores de la comunidad, ya tiene mucha clientela que lo prefieren por la calidad, los buenos precios y sobre todo por el buen servicio; el necesita invertir por eso solicita un crédito que le permita comprar semillas, insecticida, herbicida, etc. don Rufino 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
  • 693
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $900 helped Rufino Armando to buy seeds, insecticide, herbicide, etc.
Repayment Term
11 months (Additional Information)
Repayment Schedule
At end of term
Jun 24, 2013
Jul 5, 2013
Currency Exchange Loss:
Aug 4, 2013