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Gloria Del Carmen
39-year old Gloria del Carmen C. O. lives in the department of Usulután with her 15-year old daughter who is a student. Gloria owns a business selling cosmetics, hair and nail accessories, combs, nail polish etc. Although all her clients are women, Gloria makes a good living and has already had her business for twenty years. She is able to provide her daughter with all the basics and also pay for household expenses.

Now she would like to expand her inventory, especially for the month of February when sales increase, and then later in the month of April, when the summer holidays begin. For this reason Gloria is asking for a loan to buy more cosmetics and the other items that she stocks. In this way she will continue to attract the many regular customers who have bought her products for many years, and she will also attract new customers.
View original language description ↓
Gloria del Carmen C. O. de 39 años de edad, reside en el departamento de Usulután. Vive en compañía de su hija de 15 años de edad, la cual se dedica a estudiar. Gloria posee una venta de cosméticos, ganchos para el cabello, peines, decorados para uñas, esmaltes y otros productos más. A pesar que todos sus clientes son del sexo femenino, Gloria obtiene muy buenas ganancias, es por ello que ya cuenta con 20 años de tener este negocio, a través del cual ha podido brindarle todo lo necesario a su hija, como también solventar todos los gastos del hogar. Es por esta razón que ella desea poder aumentar su inventario sobre todo para este mes de febrero en el cual sus ventas aumentan y posteriormente en el mes de abril, debido a las vacaciones de verano. Es por esto que Gloria solicita un préstamo a través del cual pueda comprar mayor cantidad de cosméticos y de toda la variedad de productos que posee, de esta manera aprovechará el hecho de poseer muchos clientes que desde hace muchos años compran sus productos y así mismo obtener clientela nueva.

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
  • 749
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Gloria Del Carmen to buy cosmetics and hair accessories.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 26, 2010
Feb 23, 2010
Currency Exchange Loss:
Oct 20, 2011