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Ernesto Salvador
Ernesto Salvador lives with his life partner Diana and his son in his own house. He owns a small bakery which is well known in the town because sells the most delicious breads and other varieties such as quesadillas [flour tortillas], cakes, pastries, and French bread, among others.

He has had the business for several years and this gave him a lot of experience baking bread. Also, it allowed him to earn more money, since he has many customers. People prefer and recommend him because they know that everything he sells is made with quality ingredients and has good prices. Moreover, he offers an incomparable service, always ready to help customers.

Ernesto is a man devoted to his work, energetic, and highly motivated because he loves his work. He has many goals he wants to accomplish, but he knows that he will reach the success he craves only with his effort and courage

In the recent months, the demand increased and that drove him to make a new investment. However, he doesn't have enough capital, that's why he is requesting a loan to INTEGRAL, to buy flour, sugar, yeast, candies, trays, etc.

Ernesto Salvador has good payment references, and he assures he will be able to pay off the debt. At the same time, he has faith that he will be able to give a better quality of life to his family, as they deserve.
View original language description ↓
Ernesto Salvador vive junto a su compañera de vida Diana y su hijo en casa de habitación propia; El posee una pequeña panadería la cual es muy conocida en la localidad ya que vende los panes mas exquisitos y en variedad como quesadillas, tortas, pastelitos, pan francés entre otros, tiene varios años con el negocio y eso le ha regalado mucha experiencia horneando pan, además le ha permitido obtener las mejores ganancias, se ha hecho de mucha clientela pues las personas lo prefieren y lo recomiendan porque saben que todo lo que vende lo elabora con materia prima de calidad y a buenos precios además de un servicio inigualable siempre a la orden del cliente; Ernesto es un hombre entregado a su labor, enérgico, muy motivado ya que ama su trabajo, tiene muchas metas que desea lograr y sabe que solo con todo su esfuerzo y valentía podrá alcanzar ese éxito que tanto desea, en los últimos meses aumento la demanda y eso lo impulso a realizar una nueva inversión, pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar harina, azúcar, levadura, dulce, bandejas etc. Ernesto Salvador tiene buenas referencias de pago, asegura poder saldar la deuda y a la vez tiene fe que podrá darle a su familia una mejor calidad de vida como se la merecen.

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
  • 742
    View loans »
    El Salvador Loans Fundraising
  • $26,180,650
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Ernesto Salvador to buy flour, sugar, yeast, candies and trays.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 1, 2012
Listed
Sep 17, 2012
Currency Exchange Loss:
N/A
Ended:
Aug 18, 2013