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Bernardo, 62, lives with his wife who works as a seamstress and with his two children who are 19 and 21 years old and who work and study. Bernardo is very hardworking. He works buying and selling spices that he sells from place to place in various towns and neighborhoods. He’s someone with very good values who has passed them down to his family who like him strive to obtain what they want. Bernardo is requesting a loan to make some home improvements because the strong winds have damaged his roof and because of the lack of income it’s been deteriorating gradually over time. With the loan obtained thanks to Integral, Bernardo will repair the roof and the walls and will be able to live more at peace.
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Bernardo de 62 años de edad, vive junto a su esposa quien trabaja como costurera y así mismo junto a dos hijos de 19 y 21 años de edad quienes trabajan y estudian. Bernardo es muy trabajador, y se dedica a la compra y venta de especias, las cuales comercializa de forma ambulante por diferentes pueblos y colonias, él es alguien que cuenta con muy buenos valores los que ha transmitido a su familia quienes que al igual que a él se esfuerzan para obtener lo que quieren. Bernardo solicita un préstamo para realizarle deferentes mejorar a su casa, ya que los fuertes vientos han dañado sus techos y así mismo por falta de ingresos se ha ido deteriorando poco a poco con el paso de los años, con el préstamo obtenido gracias a INTEGRAL, Bernardo mejorará tanto techo como paredes y así poder vivir más tranquilamente.

Additional Information

More information about this loan

This loan is part of Apoyo Integral's program to help subsistence farmers located in high-risk regions of El Salvador, including coastal strips, river banks, and volcano fault lines. The program, which offers reduced interest rates, targets farmers who don't qualify for formal funding due to their low-income and geographical risk. By funding this loan, you are helping Apoyo and a local non-governmental organization extend risk-tolerant credit to even more farmers.

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
  • 718
    View loans »
    El Salvador Loans Fundraising
  • $27,098,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Bernardo to make some home improvements.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Nov 21, 2012
Nov 26, 2012
Currency Exchange Loss:
Jul 17, 2014