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José Alfredo
José Alfredo lives with his two children who are going to a local school near their house. He has a home-based grocery store where he sells staple items like rice, beans, bread and milk among others. Lately he has acquired many customers because the products he sells are very high quality and he sells them at affordable prices. Besides, service in unequalled. José and his children who help him in the store always welcome their customers with a smile on their face.

He is an enterprising man who is very dedicated to his work, always prepared to receive new opportunities. He thinks that in order to be successful in life one must rise step by step to reach the top and this is what he’s trying to accomplish. This is why he’s asking INTEGRAL for a loan to buy staple items like instant products, pasta, snacks, soft-drinks, etc. José Alfredo is confident that he will be able to provide his home with economic security and a better quality of life this way.
View original language description ↓
José Alfredo vive con sus dos hijos los cuales asisten a una escuela cercana a la localidad donde residen. El posee una tienda en su hogar donde vende productos de primera necesidad como arroz, frijoles, pan, leche entre otros, últimamente se ha hecho de mucha clientela pues los productos que comercia son de muy buena calidad y los vende a precios accesibles, además el servicio es inigualable siempre José y sus hijos que le ayudan en el negocio reciben a las personas con una sonrisa en el rostro; él es un hombre emprendedor muy dedicado a su trabajo siempre preparado para recibir nuevas oportunidades, él piensa que para triunfar en la vida hay que subir escalón por escalón hasta llegar arriba y es lo que está intentado lograr es por eso que le solicita a INTEGRAL un crédito que le permita comprar granos básicos, producto instantáneo, pastas, golosinas, bebidas etc. José Alfredo tiene confianza que de esta forma lograra llevar a su hogar seguridad económica y una mejor calidad de vida para 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
  • 731
    View loans »
    El Salvador Loans Fundraising
  • $29,708,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped José Alfredo to buy stock merchandise for his store.
100% repaid
Repayment Term
19 months (Additional Information)
Repayment Schedule
Sep 30, 2011
Oct 20, 2011
Currency Exchange Loss:
Sep 15, 2012