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José Luis
José Luis, 50, lives in his own home with his wife. He has worked all his life to be able to have access to a better quality of life. Through great effort, he has succeeded in establishing a small carpentry shop in his home since he has no other place for his business, due to economic restraints.

José’s business is profitable because he has worked for a long time to get ahead and provide food each day for himself and his dear wife. His wish is to see his business flourish and, for this to happen, he has decided to request this loan from Integral in order to buy necessary basic materials such as wood, glue and tools in order to continue keeping his business a step ahead of the competition. In addition, he wants to be able to increase his income and he trusts in God that it will happen. In this way, he hopes to improve his quality of life and that of his family.
View original language description ↓

José Luis de cincuenta y seis años de edad habita en su propia casa con su esposa. José ha trabajado toda su vida para poder tener acceso a una mejor calidad de vida. Con grandes esfuerzos ha logrado establecer una pequeña carpintería en su hogar de residencia ya que no cuenta con otro lugar para poder colocar su negocio, debido a limitaciones económicas. El negocio es rentable ya que por mucho tiempo ha logrado sacarlo adelante y darle el pan de cada día a él y a su querida esposa. Su deseo es ver florecer su negocio y para esto ha tomado la decisión de solicitar este crédito a INTEGRAL para invertir en la compra de la materia prima necesaria como: madera, pega y herramientas para seguir manteniendo su negocio un paso adelante de la competencia. Además desea poder mejorar sus ingresos y confía en Dios que así será. De esta manera espera lograr mejorar su calidad de vida y la de su familia.

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
  • 745
    View loans »
    El Salvador Loans Fundraising
  • $26,180,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped José Luis to buy necessary basic materials such as wood, glue and tools.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 2, 2011
Sep 8, 2011
Currency Exchange Loss:
Aug 16, 2012