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When Javier first opened his cosmetics stall at the Berryessa flea market in San Jose two years ago, he found that demand for the products he carried grew quickly. He can attribute much of his success since then to excellent rapport with his customers and high receptiveness to their suggestions. “I receive a lot of help from my customers. In this business, particularly, you have to treat people well, and then they’ll come back.”

Before he began selling “everything for the woman,” as he describes it, Javier worked in construction and sold vegetables at the market, but he had a strong desire to be his own boss. He knew that he had the customer service skills, as well as the strong work ethic, to open his own stall. Javier sells his products at the market on the weekend, and works at a factory full-time during the week. He explains that he gets anxious if he has too much free time on his hands and enjoys his full work schedule.

Javier learned about Opportunity Fund years ago from a friend that also operates a stall. This is Javier’s second loan with Opportunity Fund, and he will use the $4,500 to increase his inventory. By making monthly trips to Los Angeles, he will be able to purchase more goods at a cheaper price to bring back to his customers in San Jose. He hopes that the loan and his increased earnings will allow him to hire an employee to help manage the stall.

Additional Information

Important Information

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About United States

  • $54,800
    Average annual income
  • 0
    View loans »
    United States Loans Fundraising
  • $12,977,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $4,500 helped Javier help fund trips to Los Angeles to increase inventory of his flea market business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Mar 25, 2010
Apr 5, 2010
Currency Exchange Loss:
Apr 28, 2012