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Jose Obdulio
José Obdulio, 38, lives with his family. He’s a gardener and earns a steady salary that helps him cover household expenses. He lives in a very pleasant, humble zone.

For some time now his house has started to show some wear and tear; there are problems with the roof and beams, among others. But now that the rains have come he urgently needs to fix the roof but needs capital to do so and this is why he’s decided to ask INTEGRAL for a loan to buy roofing tiles, lumber, tools, etc. to completely replace the roof.

José is a hardworking, energetic man who is always looking to get ahead in order to have a better future. He believes that one must own and be heirs to our dreams and never let them go.

José Obdulio is honest and very responsible with excellent references and solvency to repay the loan. In addition, he hopes that he will be able to improve quality of life at home this way.
View original language description ↓
José Obdulio de treinta y ocho años de edad vive junto a su familia, él es jardinero y tiene un sueldo fijo que le ayuda a llevar los gastos del hogar, vive en una zona muy agradable y humilde, desde hace algún tiempo su casa empezó a tener algunos desperfectos, deterioros en el techo, polines, entre otros pero ahora que se han presentado las lluvias necesita reparar urgentemente el techo, pero necesita de capital para realizarlo por eso se ha decidido a solicitarle a INTEGRAL un crédito que le permita comprar tejas, madera, herramientas etc., para cambiar por completo el techo; José es un hombre muy trabajador, enérgico, siempre está buscando salir adelante para obtener un futuro mejor, piensa que hay que ser dueños y herederos de nuestros sueños para nunca dejarlos ir, José Obdulio es honesto y muy responsable con excelentes referencias y solvencia para poder saldar el financiamiento, además tiene la esperanza que de esta forma podrán mejorar la calidad de vida en su hogar.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $26,275,075
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Obdulio to buy building supplies.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 9, 2012
May 25, 2012
Currency Exchange Loss:
Dec 19, 2013