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Norma Beatriz
Norma Beatriz F. is 33 years old and she lives in the city of Arce, located in the department of La Libertad. She lives together with her husband and two children, aged 14 and 4. They are both in school. Norma has a bakery that she has been running from her home over the past nine years. Her husband helps her make bread, which she later distributes to her clients who own convenience stores and small grocery stores. They place large orders.

Norma's wish is to expand her business even more, to be able to serve larger numbers of clients. To this end she requests a loan. She will be able to purchase flour in wholesale, yeast and all the other products that they use to make bread in large quantities and to obtain volume discounts.

This will be of great benefit to their business and to her family who depend completely on this bakery. It is the only source of income and it is the reason why she works hard day after day to provide her clients with the best service.
View original language description ↓
Norma Beatriz F. de 33 años de edad, reside en Ciudad Arce, ubicado en el departamento de La Libertad, ella vive junto a su esposo y dos hijos de 13 y 4 años de edad, quienes se dedican a estudiar. Norma posee una panadería, la cual desde hace nueve años funciona en su casa, su esposo le ayuda a elaborar el pan, que posteriormente sale a repartir a todos sus clientes, quienes tienen negocios como tiendas y pequeños superes, en donde obtiene pedidos muy grandes. El deseo de Norma es crecer aún más en el negocio, de manera que pueda atender mayor cantidad de clientes, es por esta razón que solicita un préstamo, a través del cual pueda comprar harina por mayor, levadura y todos los productos que se utilizan para la elaboración del pan, en cantidades grandes para obtenerla a menores precios. Esto sería de mucho beneficio tanto para su negocio como para su familia quien depende absolutamente de la panadería, ya que esta es la única fuente de ingresos que poseen, razón por la cual se esfuerza día con día para brindar el mejor servicio a sus clientes.

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
  • 699
    View loans »
    El Salvador Loans Fundraising
  • $27,170,925
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Norma Beatriz to purchase flour and other ingredients for her bakery.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 13, 2011
Jan 20, 2011
Currency Exchange Loss:
Feb 15, 2012