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Walter Ramiro
Walter Ramiro lives in his own house with his retired mother. He’s been a businessman for many years; he runs a small bookshop where he sells telephone cards and also has a photocopier. Through much effort and dedication he has managed to keep his bookshop going for a long time. The income from it has allowed him to get ahead and helped him with household expenses. At the moment he has no source of income apart from the bookshop and his mother’s pension.

Señor Walter is an enterprising man who lets no business opportunity pass him by. He’s a man who likes a challenge, and when he sets himself a task, he does it in the best possible way until he succeeds. It should also be noted that Walter has very good references from his neighbours who say they are very satisfied with the service he provides since they find the best prices in his store.

Like all forward-looking individuals, Walter wants to invest in his business, so he is seeking a loan from this institution as he doesn’t have enough money of his own. He plans to use the loan to buy merchandise for his store such as notebooks, computer paper, coloured paper, calculators, erasers, crayons, and anything else his customers might like. Walter has great hopes that these purchases will bring in more money so that he can improve his own and his mother’s standard of living.
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Walter Ramiro habita en casa de su propiedad junto con su madre la cual es pensionada. Él se dedica a los negocios desde hace mucho tiempo. Posee una pequeña librería en la cual también vende recargas de teléfono y presta el servicio de fotocopiadora. Con mucho esfuerzo y dedicación ha logrado mantener activo su negocio por mucho tiempo y es lo que le ha permitido ir sobresaliendo y ayudando con los gastos del hogar. Por el momento no posee otra fuente de ingresos más que la de su negocio y la pensión de su madre. El señor Walter es un hombre emprendedor ya que no deja pasar ninguna oportunidad de negocios. Es un hombre de metas ya que cuando se propone hacer algo lo hace de la mejor manera hasta que lo logra. Es muy importante mencionar que tiene muy buenas referencias por parte de su vecinos los cuales expresan estar muy satisfechos con el servicio que el ofrece ya en su negocio siempre encuentran lo que buscan a los precios más accesibles. Como todo hombre visionario ha tomado la decisión de invertir en su negocio para lo cual solicita el apoyo de esta institución ya que no posee los recursos económicos necesarios para hacerlo por su medios. Es por esta razón que solicita este crédito para invertir en la compra de de productos de librería como: cuadernos, papel bond, papel de colores, calculadoras, borradores, colores y variedad de productos que sean atractivos para los clientes. Tiene muchas esperanzas que de esta forma podrá aumentar sus ganancias y logrará mejorar sus condiciones de vida y las de su madre.

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
  • 654
    View loans »
    El Salvador Loans Fundraising
  • $22,066,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,600 helped Walter Ramiro to buy notebooks, computer paper, coloured paper, calculators, erasers, crayons etc.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 19, 2012
Listed
May 20, 2012
Currency Exchange Loss:
N/A
Expired:
Jun 19, 2012