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Víctor Manuel
Victor Manuel is 44 years old and lives with his 55 year old wife and two children, ages 22 and 26, in a home of his own. With great effort, he has managed to support his children through university. They have already managed to find work and pay their own expenses and some of the household expenses. Many years ago he started an auto repair shop and thanks to the income from the business, he has managed to get his family ahead. Currently he continues to get income from his shop as he has no other source of income and this is the only way he knows to earn an honest living. He wants to give his children a little push and watch them become great professionals with better opportunities than the ones he had. With the vision of improving the family’s financial situation and in order to help a little more with his children’s studies, he has decided to request this loan through INTEGRAL, so that he can invest in his business and buy spare parts and lubricants so that he can better serve his customers when they need him. He expects that this will allow him to give increased stability to his business and continue to bring in the income that helps him support his family so much.
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Víctor Manuel tiene 44 años de edad, y habita en casa de su propiedad junto con su esposa de 55 años y sus dos hijos de 22 y 26 años. Con mucho esfuerzo y dedicación ha logrado mantener a sus hijos en la universidad los cuales ya lograron encontrar un trabajo con lo que colaboran con sus propios gastos y algunos del hogar. Hace muchos años comenzó con un taller de mecánica automotriz, y gracias a los ingresos percibidos del negocio es como ha sacado adelante a su familia. En la actualidad continúa percibiendo los ingresos de su taller ya que no cuenta con otra fuente de ingresos y es la única forma que conoce para ganarse la vida honradamente. Sus deseos son dar un empujoncito más a sus hijos y verlos convertidos en grandes profesionales con mejores oportunidades a las que han tenido. Con vista de mejorar la situación económica de su familia y ayudar un poco más con los estudios de sus hijos, ha tomado la decisión de solicitar este crédito a INTEGRAL para invertir en su negocio en la compra de repuestos y lubricantes, con el fin de dar un mejor servicio a sus clientes cuando lo soliciten. Prevé que esto le permitirá darle mayor estabilidad a su negocio y le permitirá continuar percibiendo los ingresos que tanto le ayuda para la manutención de su familia.

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
  • 682
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped Víctor Manuel to buy spare parts and lubricants.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 17, 2012
Jun 3, 2012
Currency Exchange Loss:
Jul 3, 2012