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Mario Ernesto
Mario Ernesto is 35 years old and lives with his life partner in a house they own. He works with metal and sheets, manufactures protection for windows, doors, gates, and railings, among others. He has been in the business for several years and has a lot of experience with sales. He is located in his home and is well known for the local people, thus he has regular clients who prefer him for the good prices, quality and excellent service.

Mario is a man dedicated to his job and to his family; they are the two most important things in his life. He strives every day in order to offer them a better future and a dignified life. He is always aware of what they need.

In the last months, the house has had some damage that needs to be fixed for safety and comfort of those who live in it. However, Mario doesn't have enough capital to support it, so he decided to apply for a loan to INTEGRAL to buy tiles, cement, floors, tools, etc.

Mario Ernesto has good payment references and is very responsible. He ensures que will repay the debt in the time established. At the same time, he also hopes to offer to his family the life they deserve.
View original language description ↓
Mario Ernesto de treinta y cinco de edad vive junto a su compañero de vida en casa propia; El se dedica a realizar trabajos en metal y lamina, fabrica defensas para ventanas, puertas, portones, enrejado entre otros, tiene varios años con el negocio y se ha hecho de mucha experiencia en las ventas, esta ubicado en su vivienda y es muy conocido por las personas de la localidad por lo que ya tiene clientela fija que lo prefiere por los buenos precios, la calidad y el servicio excelente; Mario es un hombre dedicado a su labor y a toda su familia son las dos cosas mas importantes en su vida, se esfuerza todos los días por ofrecerles un futuro mejor y una vida digna, esta pendiente de todo lo que necesitan, en los últimos meses la casa ha tenido deterioros y necesita reparaciones para seguridad y comodidad de los que la habitan, pero Mario no cuenta con el suficiente capital que la respalde por eso se decidió a solicitarle a INTEGRAL un crédito que le permita comprar tejas, cemento, piso, herramientas etc., Mario Ernesto tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda en el periodo establecido y a la vez tiene la esperanza que le ofrecerá a su familia una vida plena 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 844
    View loans »
    El Salvador Loans Fundraising
  • $25,704,950
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,000 helped Mario Ernesto to buy tiles, cement, floor, and tools.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Nov 1, 2012
Nov 11, 2012
Currency Exchange Loss:
Dec 11, 2012