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José Ricardo
José Ricardo D. M., age 24, lives in El Calvario in the Usulután department. He is a very responsible young man who helps his mother with the household expenses. They live together and mutually support each other in order to get ahead.

José has a beauty salon at his house, and he has five years of experience. During that time he has acquired loyal customers thanks to his excellent work and the service he provides.

José is requesting a loan because his wishes to improve his business conditions. He will buy a greater quantity of professional hair care products. He will also buy body and face creams and other types of treatments for taking care of a person’s appearance.

José dreams of having a business that is even better stocked where he has the capacity to take care of more customers.
View original language description ↓
José Ricardo D. M. de 24 años de edad, reside en El Calvario, ubicado en el departamento de Usulután, el es un joven muy responsable, quien le ayuda a su madre con los gastos del hogar, ya que ellos dos viven juntos, por lo que se apoyan mutuamente para salir adelante. José posee un salón de belleza en su casa de habitación, él posee cinco años de experiencia, tiempo en el que ha ido obteniendo clientes fieles gracias a su excelente trabajo y servicio brindando. José solicita un préstamo ya que cuenta con el deseo de mejorar las condiciones de su negocio, comprando mayor cantidad de productos profesionales para el cuidado del cabello, así mismo cremas para cuerpo y rostro y otros tipos de tratamiento para el cuidado de la imagen de las personas. José sueña con poseer un negocio aún más surtido en donde posea la capacidad para atender más clientes.

Additional Information

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

  • $4,900
    Average annual income
  • 432
    View loans »
    El Salvador Loans Fundraising
  • $22,832,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped José Ricardo to buy beauty products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 24, 2010
Listed
Dec 22, 2010
Currency Exchange Loss:
N/A
Ended:
Oct 20, 2011