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Jose Ricardo
José Ricardo is 47 years old and lives with his son in his own house. He owns a bread store and sells sweet bread, french loaves, quesadillas, pastries, cakes, and flatbreads. He is really well-known in the area because he makes the most exquisite bread around. The rich aroma that one smells when the bread is recently made attracts many customers. He is very satisfied to see that the people leave happy from the store. Everything that he sells is top quality and at accessible prices, and the service is excellent. José is a visionary man with the desire to earn a more prosperous future. He thinks that if he has a start, he will have the battle, and if he has the battle, he will achieve the victory. He is now looking for the fight and wants to increase his business but needs the resources. For that reason, he is requesting a loan from INTEGRAL that will allow him to buy flour in bulk, butter, jam, sugar, salt, baking trays, etc. José Ricardo is very responsible and with a good credit record. He has the confidence that he will be able to pay down the loan, but above all he has faith that he will be able to give his family a better quality of life.
View original language description ↓
José Ricardo de cuarenta y siete años de edad vive junto a su hijo en casa propia; el posee una panadería y vende pan en variedad francés y dulce, quesadillas, salpores, pastelitos, tortas entre otros, es muy conocido en la zona pues elabora el pan más exquisito del lugar, el rico aroma que se siente cuando el pan está recién hecho atrae mucha clientela, esta muy satisfecho al ver que las personas se van contentas del lugar, todo lo que vende es de primera calidad, y a precios accesibles además el servicio es excelente, José es un hombre visionario con muchas ganas de ganarse un futuro más próspero, piensa que si tiene un comienzo tendrá la lucha y si tiene la lucha lograra la victoria, ahora está buscando la lucha y quiere acrecentar el negocio pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar harina por mayor, manteca, jaleas, azúcar, sal, bandejas, etc. José Ricardo es muy responsable y con un buen record crediticio tiene confianza que podrá saldar la deuda pero sobre todo tiene fe que podrá darle 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

  • $7,500
    Average annual income
  • 662
    View loans »
    El Salvador Loans Fundraising
  • $26,134,600
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $300 helped Jose Ricardo to buy flour in bulk, butter, jam, sugar, salt, baking trays.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 15, 2013
Jan 22, 2013
Currency Exchange Loss:
Aug 18, 2013