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Ruben Idelfonso
Ruben is 65 years old and lives in his own house with his wife and their 24-year-old son who is currently studying. Ruben has been growing and selling coffee for 45 years. He sells his produce in the different markets near his house and he has an established clientele who prefer him because of the quality of his coffee and his good prices.

Ruben is asking for a loan to buy fertilizers, pesticides, herbicides, manure etc. so he can continue growing his crops, since this is his only source of income. By doing this he will be able to give his family a better quality of life.
View original language description ↓
Ruben de 65 años de edad vive en casa propia con su esposa y su hijo de 24 años de edad quien estudia actualmente, él se dedica a la venta y cultivo de café desde hace 45 años, comercializa sus productos en los diferentes mercados que se encuentran cerca de su casa, ya tiene clientela establecida que lo prefieren por la calidad del producto y los buenos precios, Ruben está solicitando un crédito para la compra de fertilizantes, controles de plagas, herbicidas, abonos, etc. para poder seguir con sus cultivos ya que esa es su única fuente de trabajo y así 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
  • 727
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $450 helped Ruben Idelfonso to buy fertilizers, pesticides, herbicides, manure etc.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
At end of term
Oct 7, 2013
Oct 18, 2013
Currency Exchange Loss:
Mar 17, 2014