Update on Marcos TulioMarcos, 34, lives with his life partner and two children in his own house. He sells vegetables: plantains, tomatoes, onions, chiles, avocados, and others. He has been a saleman for several years, which has given him the experience needed to improve profits. His business is strategically located and well-trafficked. He has many customers who prefer to shop with him because he offers high quality fresh produce, good prices, and great service.
Marcos is hardworking, dedicated, and anxious to succeed. He is always looking for ways to reach success. Demand has increased in recent weeks, and he wants to take advantage of this to invest, but he lacks the capital to do so.
He has applied to INTEGRAL for a loan to buy wholesale vegetables. He has excellent credit references and is grateful for the support. He is sure he will be able to repay his loan and is confident that he can give his family a better life.
Previous Loan DetailsMarcos, 33, sells vegetables, fruits and eggs in a peculiar way since he did not have the money to buy a pick-up to transport more products. He built a metal structure around his bike to transport more vegetables and other products. Marcos lives with his wife who help with the business. They... More from Marcos Tulio'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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