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Ricardo, 53, lives in his own house with his wife and two children. He’s worked growing vegetables, especially chayote and corn, for ten years. He sells his vegetables in markets near his house. He has many customers because his crops are fresh and at accessible prices. He uses profits earned to cover some of his household expenses. Ricardo is requesting a loan to buy manure and fertilizer and to pay labor costs to continue with his crops and to earn higher profits to give his family better quality of life.
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Don Ricardo de 53 años vive en casa propia con su esposa y sus dos hijos, él se dedica al cultivo de hortalizas especialmente al de güisquil y ejotes desde hace 10 años, vende sus hortalizas en los mercados que están cerca de su vivienda, tiene mucha clientela porque sus cosechas son frescas y a precios accesibles, con las ganancias que obtiene logra cubrir algunos gastos de su hogar, don Ricardo está solicitando un crédito para la compra de abonos, fertilizantes y pago de mano de obra para seguir con sus cosechas y obtener mejores ganancias para darle a su familia una mejor calidad de vida.

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
  • 698
    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 $500 helped Ricardo to buy manure, fertilizer and to pay labor costs.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 12, 2013
Jul 23, 2013
Currency Exchange Loss:
Aug 23, 2014