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Eduardo lives with his spouse and their 14 year old son. He sells dairy products such as cheese, cream, and milk. He also sells vegetables such as tomatoes, onions, peppers, etc. For many years he has run a small business in the city marketplace in the east of the country, where he resides. He is well-known by his customers and by the other merchants in the marketplace because he is a very nice and friendly man. Furthermore, he sells high-quality products at reasonable prices.

Eduardo is a visionary and has many future goals. He wants to reach all of his goals and he's very persistent. He wants to remain ahead of the competition and so he wants to invest in more merchandise but he needs money to do so (and only cash payments are accepted). Therefore, he is seeking a loan from INTEGRAL so that he can buy more dairy products such as cheese, cream, milk, cottage cheese, etc. With these items, he will be able to increase his earnings.

Eduardo is a very responsible man with great references. He is certain that he will be able to repay the loan and at the same time he will be able to give his family a full life.
View original language description ↓
Eduardo vive junto a su compañera de vida y su hijo de catorce años; él se dedica a la venta de lácteos queso, crema, leche, además vende verduras, tomates, cebollas, chiles etc., tiene varios años con el pequeño negocio y está ubicado en el mercado municipal de la zona donde reside, al oriente del país, es muy conocido por los clientes y por los demás vendedores del mercado pues es un hombre muy simpático y amable además que comercia producto de calidad y a precios realmente accesible; Eduardo es muy visionario, tiene muchos objetivos a futuro y piensa cumplirlos todos porque es muy perseverante; quiere estar adelante de su competencia por eso quiere invertir en más insumos pero necesita de capital ya que sus compras las realiza al contado, por eso le solicita a INTEGRAL un crédito que le permita comprar lácteos por mayor, queso, crema, leche, requesón etc e incrementar así sus ganancias. Eduardo es muy responsable y tiene muy buenas referencias crediticias por eso tiene la certeza que podrá saldar la deuda y al mismo tiempo le dará a su familia un vida plena.

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
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $26,313,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Eduardo to buy cheese, cream, milk, and cottage cheese.
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 23, 2012
Jun 6, 2012
Currency Exchange Loss:
Jul 6, 2012