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José Antonio
José Antonio is 40, and lives with his life partner and his son. He owns a bakery located in his home, where from an early hour he produces a variety of sweet and savory bread, quesadillas, small cakes, sugar cookies, pañuelos (pastry turnovers), and other items.

He has gotten a lot of customers lately, because his product is made of excellent quality ingredients and he sells it at affordable prices.

José is a very hard-working man, always ready to stay ahead of the competition. He believes his strength does not come from his physical capacity, but from an indomitable will.

The increased demand at his business motivated him to apply to Integral for a loan that will allow him to buy flour, sugar, yeast, milk etc. at wholesale. José Antonio hopes that this way he will be able to give his family a better quality of life.
View original language description ↓
José Antonio de cuarenta años de edad vive junto a su compañera de vida y su hijo. El posee una panadería en el lugar de su residencia donde produce levantándose desde muy temprano, variedad de pan dulce y salado, quesadillas, pastelitos, salpores, pañuelos entre otros, se ha hecho de mucha clientela últimamente ya que su producto está elaborado con material de excelente calidad y lo vende a precios accesibles, José es un hombre muy trabajador siempre dispuesto a mantenerse adelante de la competencia, piensa que la fortaleza no viene de la capacidad física, sino de una voluntad indomable, el aumento de la demanda en el negocio lo motivo a solicitarle a INTEGRAL un crédito que le permita comprar harina por mayor, azúcar, levadura, leche etc. José Antonio tiene la esperanza que de esta forma podrá darle a su familia una mejor 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
  • 719
    View loans »
    El Salvador Loans Fundraising
  • $26,095,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped José Antonio to buy flour, sugar, yeast, and milk at wholesale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Feb 27, 2012
Mar 23, 2012
Currency Exchange Loss:
Jan 19, 2013