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José Aníbal

Update on José Aníbal

José Aníbal, 39, lives in a home with his family. He owns a shop where he repairs bikes, sells parts, and also sells scrap metals. His business is located near the town where he lives, and he has several years experience in the field. Awhile back, he had a drop in sales and repairs at his business and now he has increased his customer base. He does not want to miss this opportunity to increase profits. He knows that his work is of the best quality and everything is reasonably priced.

José is a helpful and hard-working man, but above all, he is humble and prepared to better himself. He believes that the greatest secret to achieving success is dedication to and passion for one's work. For this reason, he decided to request a loan from INTEGRAL. This loan will allow him to buy bike parts, scrap, etc. José Aníbal is capable of keeping up with the payments, and at the same time giving his family a better life.
View original language description ↓
José Aníbal de treinta y nueve años de edad vive en casa familiar, el posee un taller donde repara bicicletas, vende repuestos y además posee una venta de chatarra, su negocio está ubicado cerca de la localidad donde reside ya tiene varios años y él se ha hecho de mucha experiencia en el ámbito, hace poco tiempo tubo una baja en la venta y reparación del negocio y ahora que ha aumentado su clientela no quiere dejar pasar la oportunidad de aumentar las ganancias pues sabe que su trabajo es de primera calidad y todo es a precio razonable; José es un hombre servicial, trabajador pero sobre todo humilde, que está dispuesto a superarse, piensa que su más grande secreto para llegar al éxito es la dedicación y el amor a su labor, es así como se decide solicitarle a INTEGRAL un crédito que le permita comprar repuestos de bicicleta , chatarra, etc. José Aníbal tiene la capacidad de mantenerse al día con su pago, y al mismo tiempo darle a su familia una mejor vida.

Previous Loan Details

José Aníba is 39 years old and lives in his own home with his family. He owns a shop where he sells bicycle parts and is well known in his area since he sells high quality merchandise at a good price. In addition he offers his clients a unique service and tries to please his customers. José is a... More from José Aníbal's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About El Salvador

  • $7,500
    Average annual income
  • 581
    View loans »
    El Salvador Loans Fundraising
  • $31,714,450
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped José Aníbal buy tires, chains, oil, seats, brakes, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 16, 2012
May 20, 2012
Currency Exchange Loss:
Apr 18, 2013