Wilmer Guillermo is 30-years old and lives together with this mother and his brother in their own home. He has a cyber cafe. He has a number of years of experience in the business, which has given him the chance to earn a good income. The cyber cafe is in a good location, and Wilmer has a lot of customers. People prefer his cyber cafe because he offers the best service in the area and the best prices. Wilmer is man who is committed to his work. He is ready to give his all to make his dreams come true. The most important thing in his life is his family. In recent weeks, the deterioration of his home has affected his family's tranquility. The house needs repairs, and Wilmer wants to make them as soon as possible for the safety of his family. Wilmer's greatest secret is his perseverance. He knows that he will be successful. He needs to invest, but he doesn't have enough capital. And so he is requesting a loan from INTEGRAL that will allow him to buy cement, bricks, tile, tools etc. Wilmer Guillermo is a good credit risk and will be responsible in paying back the loan. He also has faith that he will be able to give his family a better quality of life.
Wilmer Guillermo de treinta años de edad vive junto a su madre y su hermano en casa propia, el posee una ciber café, tiene varios años de experiencia en el negocio y eso le ha dado la oportunidad de obtener siempre las mejores ganancias, el ciber café esta ubicado en un lugar que califico como bueno para su trabajo y ya tiene mucha clientela pues las personas la prefieren porque tiene el mejor servicio de la zona además tiene los mejores precios; Wilmer es un hombre entregado a su labor, dispuesto a dar todo de su parte para cumplir sus sueños lo mas impórtate en su vida es su familia y en las ultimas semanas el deterioro de su vivienda ha incomodado la tranquilidad del hogar, la casa necesita reparaciones y quiere realizarlas lo mas pronto posible para la seguridad de todos, su mas grande secreto es la perseverancia, sabe que así alcanzara el éxito, necesita invertir pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar cemento, ladrillos, tejas, herramientas etc. Wilmer Guillermo tiene buenas referencias de pago y se hace responsable de cancelar la deuda, a la vez tiene fe que podrá darle a su familia una mejor calidad de vida.
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.