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Horacio Ramo is 57 years old and lives with his life partner and their two children who are in school. Don Horacio is a carrier who transports passengers and construction materials such as sand, wood, and other products. He travels to the capital of San Salvador. Horacio owns a pickup truck, which is the main piece of equipment that he uses for his work. He is well-known in the area and many people request his service because they know he is a responsible man who is friendly and serious about his business.

Horacio decided to request a loan from Apoyo Integral in order to maintain and repair his vehicle so that he can provide the safe service that his customers deserve. With this loan he will invest in tires, brakes, paint, batteries, and other supplies that are essential in making sure that his pickup continues to function properly. This will enable him to provide the best service so that his customers stay satisfied and continue to do business with him. Horacio hopes this will result in more income so that he can continue providing for his family’s daily needs.
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Horacio, tiene 57 años de edad, vive en casa propia con su compañera de vida y dos hijos que se encuentran estudiando. Don Horacio es transportista realiza viajes de pasajeros y de materiales de construcción como arena, madera, etc. a la capital del país. Él posee un pick up que es su herramienta fundamental para la realización de su trabajo. Es muy conocido en la zona y muchas personas solicitan su servicio ya que saben que es un hombre responsable, amable y serio en su trabajo, esto ha hecho que muchas personas soliciten sus servicios, lo que ha llevado a un deterioro normal de su vehículo, es por esta razón que se ha visto en la necesidad de solicitar este crédito a INTEGRAL para darle mantenimiento y reparar su herramienta de trabajo, y de esta manera poder dar el servicio seguro que el cliente se merece. Con el crédito piensa invertir en llantas, frenos, pintura, batería, y otros que son indispensables para que su pick up pueda seguir funcionando de manera segura. De esta forma el podría prestar un mejor servicio y los clientes estarían más satisfechos con él y lo solicitarían más. Esto daría como resultado mayores ingresos que le servirían para seguir dando a su familia el pan de cada día.

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

  • $7,500
    Average annual income
  • 607
    View loans »
    El Salvador Loans Fundraising
  • $28,040,225
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $650 helped Horacio to purchase supplies for maintaining and repairing his pickup truck.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 15, 2011
May 11, 2011
Currency Exchange Loss:
Sep 15, 2012