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Jose Alizandro
Jose, 42, lives in his own house with his wife and son. He has been working in agriculture for 15 years, so it is his main source of income. He grows corn and beans and is able to cover the household expenses with the profit he makes from crop sales. He wants to buy the supplies he needs, such as compost, fertilizers and seeds, and to improve the cropland shown in the photograph. But he realizes he does not have the economic resources necessary for the investment so has decided to request a loan. That is the only way he can continue his business.

Like all farmers, he places all his trust in agriculture since he has no other source of income. He wants to do the best he can through his crop activity. He hopes to achieve an abundant harvest so he can continue putting food on the table every day and pay back the loan.
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Jose de 42 años de edad desde vive en casa propia con su esposa y su hijo, hace 15 años que se dedica a la agricultura la cual es su principal fuente de ingresos, siembra maiz y frijol con lo que gana de sus cosechas logra solventar algunos gastos de su hogar. El quiere comprar los insumos necesarios para sus cosechas como abonos, fertilizantes, semillas y mejorar el terreno donde siembra que es el que muestra la fotografia pero dado que no cuenta con los recursos económicos necesarios para dicha inversión ha tomado la decisión de solicitar un crédito ya que solo de esta forma puede continuar su proceso de cultivo. Al igual que todo campesino, deposita su confianza en la agricultura ya que no poseen otra fuente de ingresos y desea superarse haciendo lo mejor que puede en sus cultivos. Espera obtener una cosecha abundante que le permita seguir llevando el pan de cada día a su hogar y cancelar dicho crédito.

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
  • 552
    View loans »
    El Salvador Loans Fundraising
  • $31,824,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Jose Alizandro to buy compost, fertilizers and seeds, and to improve his land.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 18, 2014
Apr 9, 2014
Currency Exchange Loss:
Apr 17, 2015