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German Francisco
Germán is 46 years old and grows corn and beans. This is how he makes a living and is able to take home the daily bread. He carries out the sowing and harvesting every year and it is the only way he is able to make a living. He is a very hard-working, honorable, and responsible man. Despite the conditions he lives in, which are very humble, he never gets tired of working and tries to give his family the best. Germán has decided to approach the institution to request this loan because the sowing season is coming and he wants to be prepared by having the essential farming supplies, such as manure, pesticides, seeds, fertilizers, and tools, etc. He hopes to get positive results since he does not have any other form of income. He trusts in God that his crops will produce an abundant harvest which will allow him to continue to put food on the table.
View original language description ↓
Germán de 46 años de edad se dedica al cultivo de maíz y frijol, de esta forma es como se gana la vida y puede llevar el pan de cada día a su hogar. La actividad del cultivo la realiza año con año, y es la única forma que conoce de cómo ganarse la vida. Es un hombre muy trabajador, honrado y responsable. A pesar de las condiciones en las que vive, las cuales son muy humildes no se cansa de trabajar y de dar lo mejor a su familia, vive en casa propia con su esposa y sus tres hijos, Germán ha tomado la decisión de acercarse a esta institución para solicitar este crédito ya que la temporada en la que se realiza la siembra, se aproxima, y quiere estar preparado con los principales insumos agrícolas como: abonos, venenos para plagas, semillas, fertilizantes. Herramientas, etc. espera tener resultados favorables ya que no cuenta con otra fuente de ingresos. Confía en Dios que logrará obtener una cosecha abundante la cual le permitirá seguir llevando el pan de cada día a su hogar.

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
  • 708
    View loans »
    El Salvador Loans Fundraising
  • $29,614,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped German Francisco to buy manure, pesticides, seeds, fertilizers, and tools, etc.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Jul 12, 2013
Jul 25, 2013
Currency Exchange Loss:
Apr 16, 2014