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Elmer Dagoberto
Elmer Dagoberto is 42 years old and lives in his family house with his life's companion and his sister-in-law, and his son who, at the moment, is still studying. Elmer sells lottery tickets in the principal areas of the zone where he lives, walking the neighborhoods, parks and streets, in search of potential customers. He has done this for many years and, consequently, has much experience in the business.

Elmer is a clever man who doesn't neglect opportunities to do business. Lately, he is experiencing increased demand for his lottery tickets and has decided to solicit this loan through INTEGRAL to invest in additional lottery tickets. His objective is to capture more of that demand, which will permit him to improve his income as well as his quality of life and that of his family.
View original language description ↓

Elmer Dagoberto de 42 años de edad, habita en casa familiar con su compañera de vida, cuñada y su hijo que por el momento se encuentra estudiando. Elmer se dedica a la venta de billetes de Lotería y Lotín en las principales áreas de la zona donde él Habita, va ambulante por colonias, parques y calles en busqueda de potenciales clientes. Tiene muchos años de dedicarse a esta actividad por lo que ya cuenta con mucha experiencia en el mundo de los negocios. Elmer es un hombre ingenioso que no pierde oportunidad para hacer negocio. Últimamente ha sentido un aumento en la demanda de sus billetes de Lotería por lo que ha decidido hacer este crédito a INTEGRAL para invertir en la compra de mas billetes de Lotería y Lotín con el objetivo de cubrir una mayor demanda que le permitan mejorar sus ingresos y por ende su calidad de vida y la de su familia.

Additional Information

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
  • 491
    View loans »
    El Salvador Loans Fundraising
  • $31,339,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Elmer Dagoberto buy additional lottery tickets to sell.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Jul 27, 2011
Aug 8, 2011
Currency Exchange Loss:
Oct 16, 2012