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Jose Bernardo

Update on Jose Bernardo

José invested the previous loan in merchandise for stocking his store, which has had positive results for him, such as improvements to his home and finances, the settling of his debts, and new clients.

With the view of continuing to work and obtaining the income he needs to live on, he decided to request a new loan, which he will use to buy juice, soft drinks, biscuits, bread, sweets, eggs, oil, soap, and staple grains.
View original language description ↓
José, invirtió el préstamo anterior en mercadería para surtir la tienda con lo que ha tenido efectos positivos, entre los cuales menciona las mejoras en su vivienda, una mejor economía, cancelación de sus deudas y cuenta con nuevos clientes.
Con la visión de continuar trabajando y teniendo los ingresos que necesita para subsistir se decidió por solicitar un nuevo crédito que utilizara para comprar jugos, sodas, jugos, galletas, pan, dulces golosinas, huevos, aceite, jabón y granos básicos.

Previous Loan Details

José is single. He lives alone, renting a house where he has set up a store where he offers household products to the neighbors. He has been in this business for three years. He tends the business from 6:00 am to 7:00 pm. It is located near a school center where the majority of the students are c... More from Jose Bernardo's previous loan »

Additional Information

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

  • $7,500
    Average annual income
  • 879
    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 $850 helped Jose Bernardo to buy juice, soft drinks, biscuits, bread, sweets, eggs, oil, soap, and staple grains.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Jun 9, 2014
Jul 11, 2014
Currency Exchange Loss:
Apr 18, 2015