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Julio Adalberto
Julio is a hardworking, responsible and enterprising man. He has been working in producing and selling dairy products in the region where he lives for more than 20 years. He has a very good client base, since he has known how to win the trust of his clients. He offers quality and good prices in his products and lives in his own house with his wife and his daughter.

Julio has decided to invest in caring for his livestock since his business depends on this. He has requested a loan to be able to buy vitamins for his livestock that will allow the business to grow. With this he hopes to obtain favorable results and continue offering economic help to his home, which he also needs.
View original language description ↓
Julio es un hombre muy trabajador, responsable y muy emprendedor. Desde hace más de 20 años se dedica a la producción y venta de productos lácteos en la zona donde reside. Tiene muy buena clientela ya que ha sabido ganarse la confianza de sus clientes. Ofrece calidad y buenos precios en sus productos vive en casa propia con su esposa y su hija, julio ha decidido invertir en el cuidado de sus ganados ya que de eso depende su negocio. Por eso ha solicitado un crédito para poder comprar vitaminas para el ganado que le permita crecer en el negocio. Con esto espera obtener resultados favorables y continuar brindando la ayuda económica a su hogar que tanto lo necesita.

Additional Information

More information about this loan

This loan is part of Apoyo Integral's program to help subsistence farmers located in high-risk regions of El Salvador, including coastal strips, river banks, and volcano fault lines. The program, which offers reduced interest rates, targets farmers who don't qualify for formal funding due to their low-income and geographical risk. By funding this loan, you are helping Apoyo and a local non-governmental organization extend risk-tolerant credit to even more farmers.

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
  • 726
    View loans »
    El Salvador Loans Fundraising
  • $29,699,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,500 helped Julio Adalberto to buy vitamins for his livestock.
Repayment Term
14 months (Additional Information)
Repayment Schedule
At end of term
Jun 24, 2013
Jun 30, 2013
Currency Exchange Loss:
Jul 30, 2013