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David Osmin
David Osmin lives with his wife and their two children. He operates a business buying and selling bread products. He buys wholesale supplies of bread from bakeries in his neighborhood, along with other kinds of bread products: quesadillas, semitas, salpores, etc. He has an advantage over competitors because he has a vehicle that he can use to deliver his products. He has a fixed set of customers--stores and individuals--who buy from him. They like that he can deliver his delicious bread products right to their doors. David is an enterprising man, honest and humble about his success. He says that work is man's best defense and that's how he explains his success. He is applying for an INTEGRAL loan because he wants to extend his business to nearby neighborhoods. We are confident that David Osmin can repay the debt because he is very responsible and has good references. He knows that his efforts will help him to better provide for his family.
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David Osmin vive junto a su compañera de vida y sus dos hijos, él se dedica a la compra y venta de pan dulce, las compras las realiza en unas panaderías cercanas a la localidad donde reside, pan por mayor y en variedad quesadillas, semitas, salpores, tortas, pastelitos entre otros; tiene una gran ventaja pues todo lo comercia de forma ambulante en su vehículo, por lo tanto tiene clientes fijos, tiendas y público en general, la clientela lo prefiere porque vende el pan más exquisito a buen precio y hasta la puerta de su hogar; David es emprendedor, honesto pero sobre todo muy humilde, piensa que el trabajo es la mejor arma del hombre y él quiere defender su éxito de esta manera; quiere extender su venta a zonas aledañas a la localidad pero necesita aumentar sus compras es por eso que le solicita a INTEGRAL un crédito que le permita comprar pan dulce por mayor; David Osmin tiene la certeza que podrá saldrá el saldo de su deuda pues es muy responsable y tiene muy buenas referencias además con su esfuerzo podrá llevar a su hogar seguridad económica.

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
  • 466
    View loans »
    El Salvador Loans Fundraising
  • $23,135,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,000 helped David Osmin to stock his food business.
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 27, 2012
Listed
May 25, 2012
Currency Exchange Loss:
N/A
Expired:
Jun 24, 2012