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Emérita is 46-years old and lives with her husband and children in a relative's house. She makes her living growing corn and beans. She has been farming for a number of years, which has given her the experience she needs to get the best harvests. She sells the products of her harvest in the areas surrounding her community. Emérita already has a large clientele who prefer to purchase from her because of her quality, her good prices, and above all her good service. Emérita needs to invest in her crop, which is why she is requesting a loan that will allow her to purchase corn and bean seeds, insecticide, herbicide, fertilizer, compost, pest control etc. Emérita has good credit references from the people who know her, and she is very responsible. She affirms that she will be able to pay off her debt in the established time frame, and she also trusts that she will bring her household some financial security.
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Emérita de 46 años de edad vive junto a su compañero de vida y sus hijos en casa de un familiar, ella se dedica al cultivo de maíz y frijol, tiene varios años de trabajar en la agricultura y eso le ha regalado mucha experiencia que le permite obtener las mejores cosechas, sus cosechas las comercia en los alrededores de la comunidad, ya tiene mucha clientela que la prefieren por la calidad, los buenos precios y sobre todo por el buen servicio; ella necesita invertir en sus cultivos por eso solicita un credito que le permita comprar semillas de maíz, frijol, insecticida, herbicida, fertilizantes, abonos, controles de plagas, etc. Emérita tiene buenas referencias de pago por parte de sus conocidos, y es muy responsable, asegura que podrá cancelar la deuda en el periodo establecido y a la vez confía que llevara a su hogar seguridad económica.

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
  • 709
    View loans »
    El Salvador Loans Fundraising
  • $29,660,550
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Emerita to purchase corn and bean seeds, insecticide, herbicide, fertilizer, compost, pest control etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 10, 2014
Mar 24, 2014
Currency Exchange Loss:
Mar 26, 2015