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Julio Roberto
Julio Roberto is 54 years old. He lives in the home of his grown daughter, and he works in retail trade. Julio is an enterprising man, and he has worked for many years to help his daughter get ahead and to enjoy a better quality of life. He is a businessman, and 29 years ago he was able to establish a small business in the central market of the town where he lives. This business is located in an area that is very well-traveled by the local inhabitants. They especially visit Julio's business, which offers a variety of products such as shoe polish, hair creams, glue, brushes, etc. Many people prefer his business because it is in a highly accessible place, and in addition, Julio is a very likable man who wins over customers with his charisma. He is requesting this loan from INTEGRAL to invest in his business by purchasing a variety of products to offer to his customers, so that he can attract new buyers and thus increase his income. With the loan, he will buy more items that are needed and sought after by his customers, such as thread, needles, hair creams, glue, paste, and lighters, along with many other products that his customers often request. In this way, he hopes to improve his quality of life.
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Julio Roberto de 54 años de edad, habita en su casa con su hija que ya es mayor de edad y se dedica al comercio. Julio es un hombre emprendedor, durante mucho tiempo ha trabaja para sacar adelante a su hija y poder gozar de una mejor calidad de vida. Él se dedica a los negocios, hace 29 años que logro establecer un pequeño negocio en el mercado central del lugar donde él habita, dicho negocio se encuentra en una zona muy concurrida por los habitantes del lugar y en especial el negocio de Julio el cual ofrece variedad de productos como: pastas de zapatos, cremas para el cabello, pega, cepillos, etc. Muchas personas lo prefieren ya que se encuentra en una zona muy accesible y además es un hombre muy amable que se gana a sus clientes con su carisma. Solicita este crédito a INTEGRAL para invertir en su negocio y poder comprar variedad de productos para ofrecer a sus clientes y así poder atraer a nuevos demandantes de sus productos que le permitan aumentar su nivel de ingreso. Con el crédito comprará más artículos necesarios y demandados por los clientes como: Hilos, agujas, cremas para el cabello, pega, pasta, encendedores, y muchos otros productos que los clientes solicitan con frecuencia. De esta manera espera mejorar su calidad de vida.

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
  • 731
    View loans »
    El Salvador Loans Fundraising
  • $26,267,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Julio Roberto to buy thread, needles, hair creams, glue, paste, lighters, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 10, 2011
Jul 6, 2011
Currency Exchange Loss:
Jul 15, 2012