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Oswaldo Ernesto
Oswaldo Ernesto, 32, lives with his common-law wife and children. He grows corn, sorghum and beans, with much expertise, and is a good salesman. Lately he has increased his customer base because of his excellent quality crops, which he sells at low prices with unequaled service. Oswaldo always takes his products wherever they are needed. He is a hard-working man who takes advantage of every opportunity for growing his business and staying ahead of competition. He believes people create their own success by learning what they have to and putting it into practice until becoming an expert. That is how he decided to request a loan through INTEGRAL to buy corn, sorghum and bean seeds wholesale. Oswaldo Ernesto is confident he can give his family a better quality of life.
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Oswaldo Ernesto de treinta y dos años de edad vive junto a su compañera de vida y sus hijos. Él se dedica al cultivo de maíz, sorgo y frijol, tiene mucha experiencia y es muy buen vendedor últimamente se ha hecho de mucha clientela pues todo lo que cultiva es de excelente calidad y lo vende a precios bajos, además el servicio es inigualable Oswaldo siempre lleva su producto hasta el lugar que lo necesiten; es un hombre de trabajo siempre aprovechando oportunidades que se le presentan, quiere ver crecer su negocio y mantenerse adelante de la competencia, piensa que la gente crea su propio éxito aprendiendo lo que necesita aprender, y practicando lo aprendido hasta que te vuelves un experto, es así practicando lo aprendido como se ha decidido a solicitarle a INTEGRAL un crédito que le permita comprar semilla de maíz, sorgo y frijol por mayor. Oswaldo Ernesto tiene la confianza que así podrá darle a su familia una mejor calidad de vida.

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
  • 716
    View loans »
    El Salvador Loans Fundraising
  • $29,652,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Oswaldo Ernesto to buy corn, sorghum, and bean seeds wholesale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Mar 3, 2012
Apr 13, 2012
Currency Exchange Loss:
Jun 15, 2012