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Jose  Horacio
Jose, 57, lives with his wife and children. For many years, he has been dedicated to farming, especially planting maize and beans. When ready, he stores them in the silos shown in the photo and then sells them at the different markets found near his house. Jose is requesting a loan to buy seeds, organic and chemical fertilizers, pest control, etc. and will thus be able to have better income and give his family a better quality of life.
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Jose de 57 años de edad vive con su esposa y sus hijos, desde hace varios años se dedica a la agricultura especialmente a la siembra de maíz y frijol cuando ya esta lista la almacena en los graneros que muestra la fotografía para luego salir a comercializarlos a los diferentes mercados que se encuentran ceca de su casa, Jose está solicitando un crédito para la compra de semillas, fertilizantes, abonos, controles de plagas, etc. y así poder tener mejores ganancias y darle a su familia una mejor calidad de vida.

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
  • 490
    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 $500 helped Jose Horacio to buy seeds, chemical and organic fertilizers, pest control,etc.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
At end of term
Apr 28, 2014
May 13, 2014
Currency Exchange Loss:
Jan 17, 2015