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Carlos Bernardino
Carlos is 42 years old and lives in his own home with his wife and five children. He has been growing corn for several years. When his crops are ready to be harvested, the grain is stored in barrels (as shown in the photo) before being sold in the surrounding neighborhoods in his area.

Carlos is requesting a loan from Apoyo Integral so that he can buy supplies such as compost, pest controls, herbicides, fertilizers, seeds, and other items. This will allow him to continue maintaining his crops so that he can provide a better quality of life for his family.
View original language description ↓
Carlos de 42 años de edad vive en casa propia con su esposa y sus cinco hijos, el se dedica al cultivo de maíz desde hace varios años, cuando su cosecha ya esta lista la almacena en barriles como muestra la fotografía para la después comercializarlo en los alrededores de la zona, Carlos esta solicitando un crédito a INTEGRAL para la compra de insumos agrícolas como: abonos, controles de plagas, herbicidas, fertilizantes, semillas, etc. y así continuar con sus cultivos y poder 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
  • 576
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Carlos Bernardino to buy compost, pest controls, herbicides, fertilizers, seeds, and other supplies.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 12, 2014
Mar 21, 2014
Currency Exchange Loss:
Apr 17, 2015