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Cruz
Cruz is 45 and lives with his life partner and son. For several years, he has had a store in his house where he sells basic items such as beans, rice, bread, instant products, and soap. He has gained valuable sales experience that has increased his income. The store is well known to his many customers, who prefer Cruz's quality products, reasonable prices, and unequaled customer service.

Cruz is energetic, hardworking, and has many goals. He is ready to work very hard because he knows that he will be able to achieve his dreams and be successful this way. Like every good merchant, he wants to grow his business and make new investments, but he lacks sufficient capital. He is applying to INTEGRAL for a loan to buy grains, bread, sweets, instant products, beverages, and soaps. Cruz has a good payment history and assures us that he will be able to pay his debt while offering his household greater financial security.
View original language description ↓
Cruz de cuarenta cincuenta y cinco años de edad vive junto a su compañera de vida y su hijo, el posee una tienda donde vende productos de primera necesidad, frijoles, arroz, pan, producto instantáneo, jabón, entre otros, tiene varios años con el negocio y eso le ha regalado experiencia valiosa en las ventas que le permite obtener las mejores ganancias, el negocio esta ubicado en su vivienda y es muy conocido, tiene mucha clientela pues las personas lo prefieren porque todo lo que comercia es de primera calidad y a precios accesibles además del servicio inigualable siempre a la orden de los clientes; Cruz es un hombre enérgico, trabajador, y con muchas metas por delante, esta dispuesto a esforzarse al máximo pues sabe que solo así podrá cumplir sus sueños y llegar al éxito, como todo buen comerciante quiere acrecentar el negocio y realizar nuevas inversiones pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, pan, golosinas, producto instantáneo, bebidas, jabones, etc. Cruz tiene buenas referencias de pago, asegura que podrá saldar la deuda y a la vez tiene fe que podrá llevar a su hogar seguridad económica.

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
  • 412
    View loans »
    El Salvador Loans Fundraising
  • $22,783,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $275 helped Cruz to buy grains, bread, sweets, instant products, beverages, and soaps.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 21, 2012
Listed
Dec 1, 2012
Currency Exchange Loss:
N/A
Ended:
Feb 17, 2013