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Joel Nehemias
Joel Nehemías, 42, lives with his life companion and their children in his own house. He has a small carpentry shop where he manufactures tables, chairs and benches, among others. He’s very well known in the location and has been in business several years. He’s gained much experience which leads to the best profits. He’s acquired a large clientele because many people prefer him and recommend him because they know that he makes everything with top quality materials; in addition his prices are good and service is unequalled, always at his customers’ disposal.

Joel is devoted to his work, energetic, and very motivated because he loves his work. He has many goals to reach and knows that the only way to reach the success he so desires is with all his effort and valor.

Demand has increased in recent months which has moved him to make a new investment but he does not have sufficient capital to do so which is why he’s asking INTEGRAL for a loan to buy lumber at wholesale, etc. Joel Nehemías has good payment references and is sure that he will be able to repay the loan while he’s confident that he’ll be able to give his family a better quality of life like they deserve.
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Joel Nehemías de cuarenta y dos años de edad vive junto a su compañera de vida y sus hijos en casa propia; El posee un pequeño taller de carpintería donde elabora mesas, sillas, bancos entre otros, es muy conocida en la localidad y ya tiene varios años con el negocio, eso le ha regalado mucha experiencia en su labor y le permite obtener las mejores ganancias, se ha hecho de mucha clientela pues las personas lo prefieren y lo recomiendan porque saben que todo lo que vende lo elabora con materia prima de calidad y a buenos precios además de un servicio inigualable siempre a la orden del cliente; Joel es un hombre entregado a su labor, enérgico, muy motivado ya que ama su trabajo, tiene muchas metas que desea lograr y sabe que solo con todo su esfuerzo y valentía podrá alcanzar ese éxito que tanto desea, en los últimos meses aumento la demanda y eso lo impulso a realizar una nueva inversión, pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar madera por mayor etc. Joel Nehemías tiene buenas referencias de pago, asegura poder saldar la deuda y a la vez tiene fe que podrá darle a su familia una mejor calidad de vida como se la 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
  • 473
    View loans »
    El Salvador Loans Fundraising
  • $31,326,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Joel Nehemias to buy lumber at wholesale.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Feb 1, 2013
Currency Exchange Loss:
Jan 25, 2014