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Julio Cesar
Julio is 33 years old and lives with his wife and two children in their own home. He is a hardworking and responsible man who has been producing and selling dairy products in the area where he lives for the past 10 years. Julio has a good clientele since has been able to earn the trust of his customers. He offers quality products at good prices.

Julio has decided to invest in the care of his cattle since he depends on them for his business. For this reason, he is requesting a loan in order to buy vitamins and concentrated feed for his cows. He will also set aside an amount for the purchase of a dairy cow so that he can grow his business. Julio hopes to achieve favorable results so that he can continue providing financially for the needs of his household.

View original language description ↓
Julio de 33 años de edad, vive con esposa y sus dos hijos en casa propia, julio es un hombre trabajador y responsable desde hace 10 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, 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 y concentrado para el ganado y ajustar para la compra de una vaca lechera 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
  • 575
    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 $1,000 helped Julio Cesar to buy vitamins, concentrated livestock feed, and another dairy cow.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Jul 19, 2013
Jul 29, 2013
Currency Exchange Loss:
Apr 16, 2014