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Ruth Joaquina
Forty-five year old Ruth Joaquina lives in her own home along with her husband. She makes and sells delicious pupusas in a variety of flavors and has been doing this for many years. She has much experience and many steady customers who prefer to buy from her more each day. She’s known for being a very hardworking, responsible, enterprising woman and has many personal references because it’s very important to her that her customers are satisfied with the service they get because this is the only way she can keep them happy and make them want to return to her business. She’s been thinking about how she can grow the business and has decided that the best way is to request a loan through INTEGRAL and invest it in ingredients that she needs to make pupusas; things like beans, cheese, rice, dried corn, pork rinds, tomatoes, squash, cabbage, etc. She also wants to improve the business’ facility, given that she currently doesn’t have an enclosed area so that the business will be more secure. She hopes to increase her customers’ prefence and in this way increase her income and improve her family’s quality of life.
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Ruth Joaquina de 45 años de edad, habita en casa de su propiedad junto con su esposo. Ella se dedica a la elaboración y venta de deliciosas pupusas en variedad de sabores. Tiene muchos años de dedicarse a esta actividad por lo que ya cuenta con mucha experiencia y con muchos clientes fijos que cada día la prefieren más. Ella se caracteriza por ser una mujer emprendedora, responsable y muy trabajadora. Cuenta con muy buenas referencias personales ya que para ella es muy importante que sus clientes estén satisfechos con el servicio que reciben ya que solo de esta forma logrará mantenerlos contentos y quedarán con ganas de regresar a su negocio. Ha estado pensando en la forma de hacerlo crecer y ha llegado a la conclusión que la mejor forma es solicitando este crédito a INTEGRAL e invirtiendo en la compra de los insumos necesarios para la elaboración de pupusas como: frijoles, queso, arroz, maíz, chicharon, tomates, ayotes, repollo, etc. además poder mejorar las instalaciones del negocio dado que por el momento no cuenta con un lugar cerrado en el cual pueda tener el negocio más seguro. Espera lograr una mayor preferencia y de esta forma aumentar sus ganancias y mejorar su calidad de vida y la de su familia.

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
  • 776
    View loans »
    El Salvador Loans Fundraising
  • $25,628,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Ruth Joaquina to buy ingredients.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 28, 2012
Listed
Apr 26, 2012
Currency Exchange Loss:
N/A
Ended:
Apr 18, 2013