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Elmer Oswaldo
Elmer Oswaldo is thirty years old and lives with his life companion and his childen. He has a shop where he sells essential items, amongst others rice, beans, eggs and drinks. He also has a small mill which helps him to meet the household expenses. He has had this business for a number of years and it is strategically located. He has many customers since they know that everything he sells is of good quality, sold at accessible prices and comes with excellent customer service.

Elmer is a hard-working man who likes to take advantage of all the opportunities presented to him. He wants to invest in stocking the shop buy he needs money to do so. For this reason he is asking for a loan from INTEGRAL which will allow him to buy basic grains, instant products, sweets, drinks, soaps etc. Elmer has loan experience and is sure that he will be able to repay the debt and at the same time provide his family with a more prosperous future.
View original language description ↓
Elmer Oswaldo de treinta años de edad vive junto a su compañera de vida y sus hijos, el posee una tienda donde vende productos de primera necesidad arroz, frijoles, huevos, bebidas, entre otros además posee un pequeño molino con el que complementa los gastos del hogar, lleva varios años con el negocio y está ubicado en un lugar muy estratégico tiene mucha clientela pues saben que todo lo que vende es de calidad y a precios accesibles además el servicio es excelente; Elmer es un hombre trabajador, le gusta aprovechar todas las oportunidades que se le presenta, quiere invertir para poder surtir la tienda pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, producto instantáneo, golosinas, bebidas, jabones etc. Elmer tiene experiencia crediticia y está seguro que podrá saldar la deuda y a la vez ofrecerle a su familia un futuro más próspero.

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
  • 719
    View loans »
    El Salvador Loans Fundraising
  • $26,296,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,300 helped Elmer Oswaldo basic grains, instant products, sweets, drinks, soaps.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 14, 2012
Jun 3, 2012
Currency Exchange Loss:
Jul 3, 2012