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Norma Dalila
Norma Dalila is 32 years old and lives together with her two children who are 11 and 8 years old. Her children are both currently in school. Norma's business is selling vegetables in the town market in her area. She is very well known because she always has a variety of fresh vegetables at a good price. She is an incredible woman who works hard to provide her children with their daily bread. Every day, she gets up very early in the morning to go and buy her vegetables from the central market in the country's capital city because there she has access to a large variety of fresh vegetables at very good prices. Her dream is to provide her children with better living conditions than those she had. She does not lose hope of seeing her children become professionals. Norma is not unconcerned by her financial situation as things are becoming increasingly difficult and needs are increasing over time. This has led her to take the decision to invest in her business so that she will have the ability to deal with greater demand. This will allow her to keep her business active for longer, given that it is her main source of income. Right now, Norma does not have the money she needs to make this investment. For this reason, she has decided to request a loan from INTEGRAL to invest in buying a variety of vegetables wholesale (carrots, tomatoes, potatoes, onions, chilis, chayotes, etc.) This will allow her to attract more customers and thereby make more income with which to achieve her dream.
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Norma Dalila tiene 32 años de edad y habita junto a sus dos hijos de 11 y 8 años de edad los cuales se encuentran estudiando. Ella se dedica a la venta de verduras en el mercado municipal de la zona donde habita. Es muy conocida en la zona ya que siempre mantiene variedad de verduras a buen precio y sobre todo fresca. Es una mujer increíble la cual hace todo por llevar el pan de cada día a sus hijos. Cada día se levanta muy temprano para ir a comprar la verdura al mercado central de la capital del país ya que en este lugar tiene acceso a variedad de verduras frescas a muy buenos precios. Su sueño es dar a sus hijos mejores condiciones de vida a las que ella ha tenido acceso, por lo que no pierde las esperanzas de verlos convertidos en grandes profesionales. La señora Norma tampoco es indiferente de la situación económica ya que cada vez es más difícil y las necesidades aumentan con el paso del tiempo. Esto la ha llevado a tomar la decisión de invertir en su negocio de tal forma que pueda tener la capacidad de abastecer una mayor demanda la cual le permita mantener su negocio activo por más tiempo, dado que es su principal fuente de ingresos. Por el momento no cuenta con fondos para dicha inversión por lo que ha tomado la decisión de acudir a INTEGRAL para solicitar este crédito e invertir en la compra de variedad de verduras al por mayor (zanahorias, tomates, papas, cebollas, chiles, güisquiles, etc.) que le permitan atraer a más clientes y por consecuencia mejores ingresos que le conlleven a lograr su sueño.

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
  • 563
    View loans »
    El Salvador Loans Fundraising
  • $23,525,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $850 helped Norma Dalila to buy carrots, tomatoes, potatoes, onions, chilis, chayotes, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 23, 2012
Feb 13, 2012
Currency Exchange Loss:
Aug 16, 2012