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Julio Cesar
Julio Cesar lives with his life partner Rosa and their two daughters in their own home. He has a carpentry workshop where he makes tables, chairs, benches, and more. He has worked in this business for several years. He has gained valuable work experiences and has brought in a good profit. The business is located in his home in an area busy with a lot of people. He is known for his excellent work and has accumulated many regular customers. They always prefer him not only because he always has what they need at accessible prices, but also because of the good quality and service.

Julio is an exemplary man, resolute and dedicated to his work. He likes fighting for what he wants and aspires to a better future. Thus, he works as hard as he can to achieve the success that he deserves.

In the past few weeks, demand has gone up, but he does not have the raw materials. He needs to make a new investment so as not to disappoint his customers. He is requesting a loan from INTEGRAL that would allow him to purchase wood, glue, nails, etc.

Julio Cesar has a good credit record and irreproachable morals. He guarantees that he will pay off the loan in the established time period, and at the same time, he hopes that he will bring economic security to his home.
View original language description ↓
Julio Cesar vive junto a su compañera de vida Rosa y sus dos hijas en casa propia; el posee un taller de carpintería elabora mesas, sillas, bancos, entre otros tiene varios años con el negocio y eso le ha regalado experiencia valiosa en su trabajo y le ha traído muy buenas ganancias, el negocio esta ubicado en su vivienda en una localidad muy transitada de personas, es muy conocido por su excelente labor y se ha hecho de mucha clientela fija que lo prefiere porque siempre tiene lo que necesita a precios realmente accesibles, además de la calidad y el buen servicio; Julio es un hombre ejemplar, decidido y dedicado a su labor le gusta luchar por lo que desea y quiere un futuro mejor por eso se esfuerza al máximo para alcanzar el éxito que se merece, en las ultimas semanas aumento la demanda y no posee de materia prima, necesita realizar una nueva inversión para no decepcionar a sus clientes por eso le solicita a INTEGRAL un crédito que le permita comprar madera, pegamento, clavos, etc. Julio Cesar tiene buenas referencias de pago y una moral intachable, asegura que cancela en el periodo establecido y a la vez tiene la esperanza que llevara 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

  • $7,500
    Average annual income
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $26,313,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Julio Cesar purchase wood, glue, and nails.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 16, 2013
Mar 4, 2013
Currency Exchange Loss:
Sep 17, 2013