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Juan Ramon
52-year-old Juan Ramón lives with his life partner, his children, and his grandkids in his own house. He makes a living by selling a variety of cheese, like queso duro (a hard Salvadoran cheese), queso fresco, quesillo (a soft cheese), and others. He has had several years in the business and this has given much experience in sales which has allowed him to make better profits.

He sells from a stand in the market in town, is well-known, and has gotten many customers who prefer him for the quality, the good prices, and above all, for the excellent service. Juan is known for his great kindness and honesty; he is an enterprising man, dedicated to his work, and is very eager to achieve his dreams. Every day he works as hard as he can at his job because this way he will reach his goal.

In the last weeks the demand has increased and he wants to take advantage of this to make a new investment. This is why he asks INTEGRAL for a loan that allows him to buy cheese at wholesale cost. Juan Ramón has good pay references and impeccable morals. He is certain that he will pay off the debt and at the same time is confident that he will give his family a better quality of life.
View original language description ↓
Juan Ramón de cincuenta y dos años de edad vive junto a compañera de vida, sus hijos y sus nietos en casa propia; él se dedica a la venta de quesos en variedad queso duro, fresco, quesillo, entre otros, tiene varios años con el negocio y eso le ha regalado mucho experiencia en la venta que le permite obtener las mejores ganancias, comercia desde un puesto en el mercado de la localidad, es muy conocido y se ha hecho de mucha clientela que lo prefiere por la calidad, los buenos precios y sobre todo por el excelente servicio; Juan se caracteriza por su gran amabilidad y honestidad, es un hombre emprendedor, dedicado a su labor y con muchas ganas de alcanzar sus sueños, dia a dia se esfuerza al máximo en su trabajo por que sabe que así logrará su objetivo, en las ultimas semanas aumento la demanda y quiere aprovechar para realizar una nueva inversión por eso le solicita a INTEGRAL un crédito que le permita comprar quesos por mayor. Juan Ramón tiene buenas referencias de pago y una moral intachable, asegura que podrá saldar la deuda y ala vez confía que le dará a su familia una mejor calidad de vida.

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

  • $4,900
    Average annual income
  • 654
    View loans »
    El Salvador Loans Fundraising
  • $25,044,175
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Juan Ramon to buy cheese at wholesale cost.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 24, 2012
Listed
Nov 1, 2012
Currency Exchange Loss:
N/A
Ended:
May 17, 2013