Update on José AdánJosé Adán lives with his life partner and child in their own house; he has a store where he sells basic necessities, beans, milk, eggs, and bread, among other things. He has had this business for many years, and this has given him sales experience, which allows him to get better earnings.
The business is located where he lives in a well-frequented area. He has gained many customers because he has the best-stocked store. People prefer him, and he keeps ahead of the competition because he always has what they need, with high quality products at affordable prices and with unrivaled service, always at the beck and call of the customers.
José is a man who is dedicated to his work, energetic, and with many goals for getting ahead. His greatest secret for achieving success is perseverance and love of the work. He knows that this is the only way he will achieve what he wants.
Like every good businessman, he wants to expand his business and make a new investment, but he lacks the capital. Therefore, he is requesting a loan from Integral that will allow him to purchase basic grains, candy, bread, drinks, etc.
José Adán has good payment references; he assures that he will pay off the debt, and at the same time, he trusts that he will give his family a better quality of life.
Previous Loan DetailsJosé Adán is 55 years old and lives in a house he owns, together with his family, which is made up of his wife and son, who is already of legal age. He makes a living from retail commerce. The business is located at the house where he lives; he has been able to adapt it to his house's layout in… More from José Adán's previous loan »
About Apoyo IntegralApoyo 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
About El Salvador
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Success!! The loan was 100% repaid