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Elba Luz
Elba Luz C. M. is 28, and she lives in the Morazán department. She lives with her two children. She has a nine year old daughter who goes to school and a 15 month old baby. She also lives with her 68 year old grandmother who helps her take care of her daughters and do the household chores.

Elba makes empanadas. This is a typical dish made with a banana base, which is formed into dough. It is shaped into a small ball and has a milk or bean filling. Then it is fried and served with sugar on top. The empanadas are made in her house. Her grandmother helps with the process because they make a fair amount. She sells them to middle school students at a school in her area. She also sells them at home with help from her grandmother. Elba is in charge of selling them away from the school as a traveling vendor in neighborhoods and cantons. Elba puts forth a lot of effort to sell all of her product everyday because it is the only source of income that she has. She is the only one supporting her family and paying all of the household expenses.

That is the reason she is asking for Integral for a loan. With the loan she will be able to buy a larger quantity of bananas, milk, beans, sugar, and oil. These are the raw materials of her business.
View original language description ↓
Elba Luz C. M. de 28 años de edad, reside en el departamento de Morazán. Vive junto a sus dos hijos, una niña de 9 años la cual se dedica a estudiar, una bebé de 15 meses de edad, y su abuela de 68 años de edad, quien le ayuda con el cuido de sus hijas y los quehaceres del hogar. Elba se dedica a la elaboración de empanadas, las cuales son un platillo típico hecho a base de plátano, con el cual se forma una masa y se hace una bolita que se rellena ya sea de leche o de frijoles y luego se fríe y al servirlas se les agrega azúcar. Las empanadas son hechas en su casa, proceso en el cual su abuela le ayuda, ya que hacen una cantidad bastante razonable, las cuales comercializa en una escuela del lugar con todos los jóvenes de educación media. Así mismo las vende en su casa con ayuda de su abuela y Elba se encarga de venderlas a parte de la escuela de forma ambulante por colonias y cantones. Elba se esfuerza mucho por vender todo su producto cada día, ya que es esta la única fuente de ingresos que posee, así mismo porque ella es la única que sostiene a su familia y se encarga de todos los gastos del hogar. Es por esta razón que solicita un préstamo a Integral, a través del cual pueda comprar mayor cantidad de plátanos, leche, frijoles, azúcar y aceite, lo cual es la materia prima de su negocio.

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

  • $4,900
    Average annual income
  • 657
    View loans »
    El Salvador Loans Fundraising
  • $22,066,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Elba Luz buy bananas, milk, beans, sugar, and oil.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 13, 2010
Listed
Mar 2, 2010
Currency Exchange Loss:
N/A
Ended:
Jun 16, 2011