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Jose Antonio
José is 32 years old and lives in his own house with his wife and their son. He has a store in his place of residence. He is a working, responsible, and honest man.

In addition to this, he also breeds pigs. He has many clients since he has a very well-stocked shop. People prefer his shop which keeps him ahead of the competition, because he always has what they need and quality products. With the money he earns, he can cover some of the household expense.

José is requesting this loan to better his place of living. He would like to construct two rooms to have a more ample space for his store and so that his family can live more comfortably. For this reason he is requesting this loan to buy: cement, bricks, iron, to pay the workers for their handiwork, etc. This will help him to live better with his family.
View original language description ↓
Don José de 32 años de edad vive en casa propia con su esposa y su hijo el posee una tienda en su lugar de residencia, es un hombre trabajador, responsables y honesto, adicional a eso también se dedica a la crianza de cerdo, tiene mucha clientela pues tiene la tienda muy surtida, las personas lo prefieren y lo mantienen delante de la competencia porque siembre tiene lo que necesita con productos de calidad, con las ganancias que obtiene logra solventar las necesidades de su casa, don José está solicitando un crédito para poder mejorara su vivienda quiere construir dos cuartos para poder hacer su tienda más amplia y que su familia viva mas cómodos por esa razón solicita el crédito para comprar: cemento, ladrillos, hierro, pago de manos de obra, etc. y así poder vivir mejor con su familia.

Additional Information

More information about this loan

This loan is a special product offered by Apoyo Integral to help impoverished individuals in El Salvador make improvements to their homes, so as to offer safer and healthier living conditions to their families. These are individual loans for which the Field Partner has significantly lowered their guarantee standards because
the borrower is grouped with other Apoyo clients in a solidarity agreementNormally, families at certain income levels are not eligible for housing loans. However, since group members are cross guaranteeing one another, Apoyo Integral has decided to fund these loans. Further, the field partner is working through local community development organizations to not only determine which families are the best candidates for the loans but also to offer technical assistance and education for loan recipients covering topics such as financial education, proper hygiene and sanitation, and efficient use of electricity.

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
  • 545
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,100 helped Jose Antonio to buy cement, bricks, iron, to pay laborers for their handiwork, etc.
Repayment Term
26 months (Additional Information)
Repayment Schedule
Aug 28, 2013
Sep 14, 2013
Currency Exchange Loss:
Oct 14, 2013