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José Lino

Update on José Lino

José Lino is 47 years old. He lives with Iris, his life partner, and their five-year-old son Ernesto. He has been repairing and selling new and used tires for nine years. In addition to this, he also sells soft drinks, popsicles, and cell phone top-ups, as it helps him offset the household expenses.

His years with the business have given him a great deal of experience that allows him to always do a quality job and at the same time obtain the best earnings. He has attracted a considerable clientele.

He is very well known and recommended by the local people, as they know that everything he sells is reliable, of good quality and affordably priced. But above all, the service is excellent.

Jose is an energetic man, devoted to his work. He likes to dedicate himself completely to what he wishes for, and one of his greatest dreams is to attain success. He puts all his effort into achieving it.

In recent weeks, demand has increased, and he wants to take advantage of it to carry out a new investment; but he does not have working capital to support this. That is why he is applying to Integral for a loan that will allow him to buy tires at wholesale, etc.

José Lino has good payment references. He is sure that he will be able to pay off the debt, and at the same time hopes to offer his family a full life.
View original language description ↓
José Lino de cuarenta y siete años de edad vive junto a su compañera de vida Iris y su hijo Ernesto de cinco años; él se dedica a la reparación y venta de llantas nuevas y usadas, desde hace nueve años, adicional a esto también vende gaseosas, paletas y recargas para teléfono pues le ayuda a complementar los gastos del hogar, sus años con el negocio le han regalado mucha experiencia que le permite realizar siempre, un trabajo de calidad y al mismo tiempo obtener las mejores ganancias, se ha hecho de mucha clientela es muy conocido y recomendado por las personas del lugar pues saben que todo lo que comercia es confiable, de buena calidad, a precios accesibles pero sobre todo con un excelente servicio; José es un hombre activo, dedicado a su labor, le gusta entregarse por completo a lo que desea y uno de sus mas grandes sueños es alcanzar el éxito y pone todo su esfuerzo para lograrlo, en las ultimas semanas aumento la demanda y quiere aprovechar para realizar una nueva inversión, pero no posee de capital que lo respalde por eso le solicita a INTEGRAL un crédito que le permita comprar llantas por mayor, etc. José Lino tiene buenas referencias de pago, asegura poder saldar la deuda y a la vez tiene la esperanza de ofrecerle a su familia una vida plena.

Previous Loan Details

Jose Lino, 46, lives with his life partner and their son. He has a business buying, selling and repairing tires. His workshop is in the same place where he lives. He is well-known in the neighborhood, because he offers excellent service. His tire repairs are very reliable, and the tires that ... More from José Lino's previous loan »

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.

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.

About El Salvador

  • $4,900
    Average annual income
  • 683
    View loans »
    El Salvador Loans Fundraising
  • $25,086,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped José Lino to buy tires at wholesale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 1, 2012
Listed
Sep 17, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 16, 2014