Lázaro Osmin is twenty-four years old and he lives with his life partner and their son. He is a carpenter creating every kind o furniture items, such as tables, chairs, benches, armchairs and more. He’s been in this line of business for many years and has acquired valuable experience that allows him to improve the quality go his job on a daily basis- His activity is located in his house, and he has many customers because people know that Lázaro does a quality job, that his creations follow the customer’s taste, that his prices are goof and above all that he provides an unsurpassable service, delivering the requested products as soon as possible. He is dedicated to his job, he loves what he does and he has great goals for his future, and he plans on working hard to reach them and achieve success. In these past few months there has been an increase in the requests, and therefore Lázaro wants to increase his production: he is requesting a loan to INTEGRAL to buy different kinds of wood at wholesale prices, tools and nails. Lázaro Osmin does not have any experience with loans but some neighbors and friends gave good credit references for him. He is sure he will repay his loan in the established time and that he will grant a better standard of living to his family.
Lázaro Osmin de veinticuatro años de edad vive junto a su compañera de vida y su hijo; él se dedica a la carpintería elabora toda clase de muebles, como mesas, sillas, bancos, sillones,etc. tiene varios años de dedicarse a este rubro se ha hecho de experiencia muy valiosa que le permite mejorar cada día la calidad de su trabajo, su negocio está ubicado en su vivienda ya tiene mucha clientela pues las personas saben que el trabajo de Lázaro es de calidad, fabrica al gusto del cliente, da buenos precios pero sobre todo un servicio inigualable y entrega lo solicitado lo antes posible; él es un hombre entregado a su labor, ama lo que hace él tiene grandes metas a futuro y planea trabajar duro para lograrlo y as llegar al éxito, en estos últimos meses ha aumentado la demanda y por lo tanto Lázaro quiere aumentar la producción por eso le solicita a INTEGRAL un crédito que le permita comprar madera por mayor en diferentes clases, herramienta, clavos, etc. Lázaro Osmin no tiene experiencia en créditos pero si posee buenas referencias de pago de algunos vecinos y amigos, él tiene la certeza que cancelara el financiamiento en el periodo establecido y a la vez le dará a su familia una vida mejor.
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.