Update on ClementeClemente is 54-years-old living in his own house with his son who was unable to complete his schooling so now works occasionally and is able to contribute to household’s economy.
He has worked his entire life to earn his daily bread. Many years ago he started out with a business selling Indian and Chinese garlic at wholesale. He sells from place to place in areas around where he lives. He’s very well-known and respected by his neighbors and customers because he’s a hardworking, responsible and respectful man.
He’s succeeded in winning over the trust of many customers and it’s worth mentioning that this business is his main source of income and what’s made it possible for him to bring daily bread home.
With the goal of securing his business, he decided to approach the institution to request this loan and to be able to buy garlic at wholesale to give the business a push and to continue earning income that will make it possible for him to bring sustenance home.
He trusts that with the help the institution may give him he will be able to make the investment he wants to and in addition he states that he’s very grateful to the institution because in the past it gave him the help he asked for to invest in his business.
Clemente tiene 54 años de edad y habita en casa propia junto a su hijo, el cual no pudo terminar sus estudios y ahora realiza algunos trabajos eventuales con lo que colabora con la economía del hogar. Ha trabajado toda su vida para ganarse el pan de cada día. Desde hace muchos años comenzó con el negocio de venta de ajos indios y chinos, al por mayor. La venta la realiza de manera ambulante en los alrededores de la zona donde habita. Es muy conocido y respetado por sus vecinos y clientes ya que es un hombre trabajador, responsable y respetuoso. Ha sabido ganarse la confianza de muchos clientes. Cabe mencionar que este negocio es su principal fuente de ingresos y es lo que le ha permitido llevar el pan de cada día a su hogar. Con el fin de asegurar su negocio a decidido acercarse a esta institución para solicitar este crédito y poder invertir en la compra de ajos al por mayor, para darle un impulso al negocio y continuar percibiendo los ingresos que le permitan llevar el sustento a su hogar. Tiene mucha confianza que con la ayuda que le brinde esta institución logrará hacer la inversión que desea, y además expresa estar muy agradecido con esta institución ya que en el pasado le brindó la ayuda que solicito para invertir en su negocio.
Previous Loan DetailsClemente Melendez G. is a humble man. He is 51 years old and lives in Colon, together with his wife and their 13 year old daughter in the department of La Libertad. Clemente earns a living by selling garlic to various shops and businesses. He works every day and follows different routes, trying… More from Clemente's previous loan »
About Apoyo IntegralApoyo 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
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