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Cruz
Cruz M. H., 59, lives in the canton of El Amate, located in San Isidro in the department of Cabañas. She lives with her husband, who works in agriculture, and their two grandchildren. Cruz has a business selling clothing for men, women and children. She also markets skin care products and cosmetics. Her business is located in a small commercial center which is located at the entrance of San Isidro. This is a place that many people pass through, as there is public transportation there, which benefits Cruz because her business is seen by all of these people. Cruz also works as a street vendor selling clothing in various cantons in her area. This assures her greater earnings, which is a great help to her family's economic welfare, as she and her husband are supporting their grandchildren. For this reason she is requesting a loan from INTEGRAL, which she will use to invest in her business, buying more clothing and cosmetics, and stocking her business with other products such as shoes, underwear, and more. One of Cruz's main wishes is to be able to take advantage of the Semana Santa (Easter Season), since at this time the sales rise, and this would be a great benefit for her.
View original language description ↓
Cruz M. H. 59 años de edad, reside en Cantón el Amate, ubicado en San Isidro departamento de Cabañas. Vive junto a su esposo quien trabaja como agricultor y junto a dos nietos. Cruz posee una venta de ropa para hombres, mujeres y niños, así mismo comercializa productos para el cuidado de la piel y cosméticos, el negocio está ubicado en un pequeño centro comercial, el cual está ubicado a la entrada de San Isidro, este es un lugar muy transitado por las personas y por el transporte público, lo que beneficia a Cruz ya que se encuentra a la vista de todas las personas. De esta misma manera ella comercializa la ropa de forma ambulante por diferentes cantones del lugar, esto le asegura mayores ganancias las cuales son de mucha ayuda para el bienestar de su familia, ya que sus nietos dependen del trabajo de la señora Cruz y de su esposo. Es por esta razón que ella solicita un préstamo a Integral, a través del cual desea poder invertir aún más en su negocio, comprando más ropa, cosméticos y de esta misma manera surtiéndolo con otros productos como: zapatos, ropa interior y más. Uno de los mayores deseos de Cruz es poder aprovechar la temporada de Semana Santa ya que en este tiempo sus ventas aumentan, lo cual sería de gran beneficio para ella.

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
  • 693
    View loans »
    El Salvador Loans Fundraising
  • $24,309,200
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Cruz to buy clothing, cosmetics and shoes.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 11, 2010
Listed
Mar 26, 2010
Currency Exchange Loss:
N/A
Ended:
Apr 21, 2011