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Jose is a small-business owner in New York who sells beauty products to Hispanic beauty salons. He started his business in order to be more independent and to increase his income. He started his business with only $500 capital and has expanded the business and clientele over the past two years. His pride comes from selling products that are of high quality and from making beauty salons look more professional. He enjoys his job because he is constantly meeting new people and business owners.

With his loan, Jose will be able to repair his car, which he uses daily to travel between clients. He personally delivers his products and checks in with the clients he has sold to. His loan from ACCION USA will allow him to make improvements to his car so it is more adequate for his job. This will allow him to be able to sell to more clients, which will expand his business and allow him to invest in more high-end products.

One of Jose's goals for the future is to grow his business by expanding the selection of products he sells and his client base. With this loan, he'll have more security and will be able to better serve his clients. Jose has had one previous loan with ACCION USA, which was very helpful in developing his business early on. He is very motivated by Kiva lenders and hopes that those who have the business aptitude will also have the chance to get a loan for their business.

About United States

  • $54,800
    Average annual income
  • 0
    View loans »
    United States Loans Fundraising
  • $12,982,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Jose to make repairs to his car, which is used to deliver products.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 16, 2010
Jun 22, 2010
Currency Exchange Loss:
Jul 15, 2011