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Juan, 61, has been making his living for the last 20 years working the land. With a lot of dedication he grows corn which enables him to bring him the daily bread to his home. He describes himself as a hardworking, honorable and responsible man. He lives with his wife and daughter in the family home. Together with his wife they work very hard to get their family ahead and give themselves the best living conditions that they had.

It is thanks to his knowledge in agriculture that Juan is able to provide for the household, given that it is the only manner that he knows of making his living in an honorable way. With a keen desire to succeed, he approached this communal bank to seek a loan as the season for sowing has started and he needs to start sowing as soon as possible. It is for this reason that he is seeking the loan as he needs to invest in the purchase of the agricultural supplies such as seeds, fertilizers, insecticides and so on for sowing, as you can see in the photograph. He trusts in God and in his work with which he will succeed in having an abundant harvest that will allow him to have a better quality of life for himself and his family.
View original language description ↓
Juan de 61 años de edad desde hace 20 años se dedica a cultivar la tierra. Con mucha dedicación cultiva maíz, lo cual le permite llevar el pan de cada día a su hogar. Se caracteriza por ser un hombre trabajador, honrado y responsable. Habita en casa familiar con esposa y su hija. Junto a su esposa trabajan muy duro para sacar adelante a su familia y darles mejores condiciones a las que ellos han tenido. Gracias a los conocimientos en la agricultura es como logra llevar el sustento a su hogar, dado que es la única forma que conoce para ganarse la vida honradamente. Con muchos deseos de superación se acerco a esta institución para solicitar crédito ya que la temporada para la siembra comenzó y es necesario iniciar la siembra lo antes posible. Esta es la razón por la cual solicita el crédito ya que necesita invertir en la compra de los insumos agrícolas necesarios como semillas, abonos, insecticidas, etc. para la siembra asi como muestra la fotografia. Confía en Dios y en su trabajo que de esta forma logrará tener una cosecha abundante la cual le permitirá acceder a una mejor calidad de vida para él y su familia.

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
  • 489
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $600 helped Juan to buy seeds, fertilizers, insecticides, and so on.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 27, 2014
Apr 13, 2014
Currency Exchange Loss:
May 13, 2014