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Jose Rosember
Jose is 34 years old and lives in his own home with his son and his wife. He has worked in agriculture for several years, growing corn and vegetables. With what he obtains from his sales he manages to pay some of his household expenses.

Jose is applying for a loan from INTEGRAL to buy agricultural supplies such as: fertilizer, manure, pesticides, seeds, herbicides etc. and to improve the land where he hopes to carry out the sowing, shown in the photograph, in order to be able to obtain better earnings and give his family a better quality of life without any limitations.
View original language description ↓
Jose de 34 años de edad vive en casa propia con su hijo y su esposa el se dedica a la agricultura desde hace varios años siembra maíz y hortalizas, con lo que obtiene de sus ventas logra solventar algunos gastos de su hogar, Jose esta solicitando un crédito a INTEGRAL para la compra de insumos agrícolas como: fertilizantes, abonos, controles de plagas, semillas, herbicidas, etc. y mejorar el terreno donde desea realizar la siembra que es el que muestra la fotografía, para poder obtener mejores ingresos y darle a su familia una mejor calidad de vida 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
  • 524
    View loans »
    El Salvador Loans Fundraising
  • $31,744,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Jose Rosember to buy fertilizer, manure, pesticides, seeds, herbicides etc. and improve the land.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
At end of term
Apr 23, 2014
May 13, 2014
Currency Exchange Loss:
Mar 26, 2015