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Victor Manuel
Victor is forty years old and lives with his family in his own home. He works as a farmer, specifically growing corn and sorghum. He has been in this line of work for many years and has gained lots of valuable experience, which allows him to obtain the best harvests. His land is located in a highly agricultural area. He sells his crops in all the surrounding areas and already has many regular customers, people who always prefer his products because of their quality and his really affordable prices. His level of service is also unmatched.

He wants to make the most of the boom his business is experiencing and increase production so that he can earn more profit. He needs to invest in supplies but needs capital, which is why he is requesting a loan from Integral that will allow him to buy seeds, fertilizer, insecticide, pesticide, tools, etc. He has good credit references and is positive that he will be able to pay off his debt on time. He is also confident that he will be able to give his family the life they deserve without any limitations.
View original language description ↓
Victor de 40 años de edad vive junto a su familia en casa propia; el se dedica a la agricultura específicamente al cultivo de maíz y maicillo, tiene muchos años de trabajar en este rubro y se ha hecho de experiencia muy valiosa que le permite obtener las mejores cosechas , el terreno de cultivo está ubicado en una zona de incidencia agrícola, el comercia en todas las zonas aledañas y ya tiene mucha clientela fija, estas personas siempre prefieren su producto pues es de calidad y a precios realmente accesibles además el servicio es inigualable, quiere aprovechar el auge de su negocio para aumentar la producción y así poder tener mejores ganancias, necesita invertir en insumos pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar semillas, abono, insecticida, fertilizantes, controles de plagas, herramienta, etc. el tiene buenas referencias de pago y está seguro que podrá saldar su deuda a tiempo, y a la vez tiene la confianza que podrá darle a su familia la vida que se merecen 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
  • 492
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Victor Manuel to buy seeds, fertilizer, insecticide, pesticide, tools, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 15, 2014
Mar 27, 2014
Currency Exchange Loss:
Jun 17, 2015