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Emilio Ernesto
Emilio Ernesto, 30, lives with his parents and brother. He is employed and is an excellent, honest, responsible worker with a lot of determination to get ahead and be successful. Like all good people, the most important thing to him is his family and the job he has to support the household. For some time now, his house has been in a bit of disrepair and needs a new roof as well as other minor repairs for the family's safety and comfort. He wants to start the home improvements but does not have sufficient capital. Therefore, he decided to request a loan from INTEGRAL to buy cement, tiles, poles, bricks, etc.

Emilio Ernesto has a good credit record and is grateful for this support. He is confident he can pay back the loan on time, while being able to give his family a better quality of life.
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Emilio Ernesto de treinta años de edad vive junto a sus padres y su hermano, el es empleado, un excelente trabajador honesto, responsable y con mucho entusiasmo de salir adelante pues quiere sobresalir y alcanzar el éxito, como todo buen hombre lo mas importante en su vida es su familia y el trabajo con el que sostiene su hogar, desde hace algún tiempo su vivienda ha tenido varios deterioros necesita cambio de techo y algunas otras reparaciones necesarias para la seguridad y la comodidad de todos los miembros de su familia, para este hombre es indispensable empezar cuanto antes la mejora de la vivienda pero tiene una dificultad y es que no cuenta con el capital suficiente para la inversión por eso se decidió a solicitarle a INTEGRAL un crédito que le permita comprar sementó, tejas, polines, ladrillos, etc. Emilio Ernesto tiene buenas referencias de pago, se siente satisfecho con la ayuda y asegura que saldara la deuda en el periodo establecido y a la vez tiene confianza que ofrecerá en su hogar 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 549
    View loans »
    El Salvador Loans Fundraising
  • $31,835,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $700 helped Emilio Ernesto to buy cement, tiles, poles and bricks.
Repayment Term
32 months (Additional Information)
Repayment Schedule
Oct 16, 2012
Nov 15, 2012
Currency Exchange Loss:
Dec 15, 2012