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Jose Julio
José Julio, 66, lives with his son in his own house. He sells corn and manufactures tables. He’s had his small business for several years and is very well-known in the zone because they know that everything he sells and makes is of top quality and prices are truly affordable and service is excellent besides.

José is a very enthusiastic, hardworking older man who is always motivated to find new opportunities that will allow him to earn a better future. He’s wanted to invest in order to improve his profits for several months now but due to previous losses did not have sufficient capital to do so which is why today he’s asking INTEGRAL for a loan to buy corn at wholesale and wood, etc.

José Julio is sure that he will be able to successfully repay the loan because he has credit experience and excellent references. At the same time, he’s sure that he will be able to give his family the life they deserve.
View original language description ↓
José Julio de sesenta y seis años de edad vive junto a su hijo, en casa propia él se dedica a la venta de maíz y a la fabricación de mesas, tiene varios años con su pequeño negocio y es muy conocido en la zona pues saben que todo lo que comercia y elabora es de primera calidad y a precios realmente accesibles además que el servicio es excelente; José es un hombre mayor muy entusiasta y trabajador, siempre se encuentra motivado a buscar nuevas oportunidades que le permitan ganarse un futuro mejor, desde hace varios meses quería invertir para mejorar sus ganancias y llamar a nuevos clientes pero debido a perdidas anteriores no poseía el capital suficiente por eso hoy le solicita a INTEGRAL un crédito que le permita comprar maíz por mayor y madera, etc. José Julio tiene la certeza que podrá cancelar con éxito su financiamiento, ya que posee experiencia crediticia y excelentes referencias, a la vez tiene seguridad que podrá darle a su familia la vida que se merecen.

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
  • 577
    View loans »
    El Salvador Loans Fundraising
  • $31,742,100
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Jose Julio to buy corn and wood.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 14, 2012
Jun 2, 2012
Currency Exchange Loss:
Dec 19, 2013