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Julio Cesar
Don Julio is 33 years old and lives in his own home with his wife and four-year-old child. He is a hardworking, responsible, and enterprising gentleman. For the past eight years, he has been raising cattle for producing and selling dairy products from his home. Julio has a very good clientele since he has been able to earn the trust of his customers. He offers quality products at good prices.

Julio has decided to invest in the care of his livestock since his business is dependent on them. For this reason, he is requesting a loan in order to buy vitamins and feed for his cattle. He will also buy a dairy cow so that he can grow his business. With this loan, he hopes to obtain favorable results and continue providing necessary financial assistance to his household.

View original language description ↓
Don julio de 33 años de edad vive con esposa y su hijo de 4 años vive en casa propia, Don julio es un hombre trabajador, responsable y muy emprendedor, hace 8 años se dedica a la crianza de ganado con el cual se dedica a producir y vender productos lácteos en su lugar de residencia. Tiene muy buena clientela ya que ha sabido ganarse la confianza de sus clientes. Ofrece calidad y buenos precios en sus productos, ha decidido invertir en el cuidado de sus ganados ya que de eso depende su negocio. Por eso ha solicitado un crédito para poder comprar vitaminas y alimentos para el ganado y para la compra de una vaca lechera que le permita crecer en el negocio. Con esto espera obtener resultados favorables y continuar brindando la ayuda económica a su hogar que tanto lo necesita.

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 El Salvador

  • $7,500
    Average annual income
  • 867
    View loans »
    El Salvador Loans Fundraising
  • $28,305,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Julio Cesar to buy a dairy cow, livestock feed, and vitamins.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Apr 18, 2013
Apr 30, 2013
Currency Exchange Loss:
Aug 23, 2014