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Jose Walter
José Walter lives with his life partner in their own home. He owns a store where he sells staple products such as basic grains, disposable products, oil, bread, eggs, milk, and soap, among others.

His business is located in a place which he believes is very good for commercial activity. He has had this business for several years. He has plenty of experience in sales and he is proud of his work because he has achieved good results. There are certain advantages to his business, such as the fact that he has little competition and that his business is the best stocked of all the stores. He has a large clientele because people know that everything he sells is of good quality and that he offers accessible prices. His service is also unbeatable.

José is a fighter who is dedicated to his work. He always keeps an eye out for opportunities to stand out and achieve success. One of his goals is to grow his business. He would like to take advantage of an increase in sales by investing in products, but he needs capital. Therefore, he is applying for a loan from INTEGRAL which will allow him to buy staple grains, instant products, snacks, oil, disposable products, etc.

José Walter is very responsible and has excellent references for this loan. He is very happy with this support and he knows that he will be able to pay off this debt while giving his family a good life.
View original language description ↓
José Walter vive junto a su compañera de vida en casa propia, el posee una tienda donde vende productos de primera necesidad granos básicos, desechables, aceite, pan, huevos, leche, jabones, entre otros, el negocio esta ubicado en un lugar que califico como muy bueno para sus actividades comerciales y tiene varios años de tenerlo, se ha hecho de mucha experiencia en las ventas y se siente orgulloso de que logro del trabajo porque le ha dado buenos resultados; tiene ciertas ventajas ya que hay poca competencia y su negocio es el más surtido de todos, ya tiene mucha clientela pues las personas saben que todo lo que vende es de primera calidad y a precios accesibles además el servicio es inigualable; José es un hombre luchador, dedicado a su labor, siempre está a la expectativa de oportunidades que le permitan sobresalir y llegar al éxito, uno de sus objetivos es hacer crecer el negocio y ahora aprovechando el incremento en las ventas quiere invertir en producto pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, producto instantáneo, golosinas, aceites, desechables, etc. José Walter es muy responsable, tiene excelentes referencias de crédito y esta muy contento con el apoyo, sabe que podrá cancelar la deuda y a la vez darle a su familia una vida plena.

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
  • 675
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Jose Walter to buy staple grains, instant products, snacks, oil, and disposable products.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Jan 28, 2013
Feb 6, 2013
Currency Exchange Loss:
Oct 25, 2013