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Julio is 48 years old, and he lives at a relative's house with his two sons, who are 13 and 11 years old. Julio works in a plant nursery that opened in his home 9 years ago, and he has a lot of regular clients who keep coming back because of the good prices offered; with the income Julio is able to cover some of the house expenses.

Now Julio is requesting this loan to buy compost, topsoil, bags, seeds and the necessary tools to continue to perform his job and to increase his income to provide a better quality of life for his children, without any constraints.
View original language description ↓
Julio de 48 años de edad vive en casa de un familiar con sus dos hijos de 13 y 11 años de edad, el se dedica al cultivo y comercialización de plantas a través un vivero que tienen en su lugar de residencia desde hace 9 años, tiene mucha clientela fija que lo buscan por los buenos precios con que vende su mercadería, con lo que obtiene de sus ventas logra cubrir algunos gastos de su hogar, don julio esta solicitando un crédito para la compra de abonos, tierra negra, bolsas, semillas y todos los utensilios necesarios para seguir con su trabajo y asi poder obtener mejores ganancias y darle a sus hijos una mejor calidad de vida sin limitación alguna.

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
  • 549
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Julio to buy compost, topsoil, bags, seeds and tools.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 23, 2013
Oct 17, 2013
Currency Exchange Loss:
Aug 23, 2014