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María Ofelia
María Ofelia is 28 years old and lives with her life partner and her three children in their house in a well-populated township in the northern part of their country. She owns a shop and sells perfume and beauty products by catalog sales in the neighborhoods nearby. She has a variety of products for women, men, and children, and all of her perfumes have aromas which please her customers.

Lately she has had more demand because all of her products are high quality and she sells them quite cheaply, and also because of her personalized service of bringing her products right to the doors of their homes and places of business, making her the best option for her customers. María is a working woman, always ready to give of herself to achieve a better future, and she has many goals, one of which is to grow her business. She has a hardworking disposition that will allow her to reach the success she hopes for.

Her greatest secret strength is her perseverance, and remembering this, she decided to ask for a loan from INTEGRAL allowing her to buy perfumes, cleansing creams, lipsticks, and hair treatments. María Ofelia is sure that by covering the increased demand of her customers, she will be able to supplement her earnings and offer a better quality of life to her family.
View original language description ↓
María Ofelia de veintiocho años de edad vive junto a su compañero de vida y sus tres hijos en casa propia dentro de una populosa colonia al norte del país. Ella posee una venta de perfumería y productos de belleza por catálogo que comercializa en las colonias cercanas al lugar. Tiene en variedad para damas, caballeros y niños, todos los perfumes tienen un aroma al gusto del cliente. Últimamente ha tenido más demanda, pues todo su producto es de primera calidad y lo vende a precios accesibles además el servicio personalizado, de productos puestos a dispoción a la puerta de sus casas y lugares de trabajo resulta la mejor opción para sus clientes; María es una mujer de trabajo siempre dispuesta a dar todo de sí para lograr un mejor futuro, tiene muchas metas y una de ellas es hacer crecer el negocio y tiene toda la disposición de trabajar duro para llegar al éxito que espera, su más grande secreto es la constancia es por eso que se decidió a solicitarle a INTEGRAL un crédito que le permita comprar perfumes, cremas limpiadoras, labiales y tratamientos para el cabello. María Ofelia tiene la seguridad que al cubrir la demanda de los clientes podrá incrementar sus ganancias y así ofrecer mejores condiciones de vida a 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
  • 718
    View loans »
    El Salvador Loans Fundraising
  • $26,095,875
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped María Ofelia to buy perfumes, cleansing creams, lipstick, and hair treatments.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 25, 2012
Listed
May 13, 2012
Currency Exchange Loss:
N/A
Ended:
May 17, 2013