Update on Sandra ElizabethSandra Elizabeth lives with her family (husband and son Samuel who is beginning kindergarden). She sells clothing in the communities in the area where she lives. She is very hardworking and enterprising.
A few years ago Sandra decided to start a business selling clothing. Some days she also sells meat to her customers. She has lots of self-confidence and is always seeking new opportunities to supplement her husband’s income which isn’t sufficient to cover household costs. So she gets up early every day to do chores, take care of her family, and then begin her job in the communities nearest to where she lives. Many people prefer to shop with her as she is a friendly, responsible woman--but the most important thing is that they always find what they need at good prices.
Sandra’s dream is to increase her inventory so that she is able make more sales and earn more money. She will then be in a position to help her family even more. That is why she decided to approach this institution to ask for a loan to buy a variety of clothing such as skirts, blouses, shirts, pants, underwear etc. In this way she will fulfill her dream trusting in an all-powerful God that all will turn out well.
It should be mentioned that Sandra is very grateful to the institution INTEGRAL as in the past it has provided her with assistance to buy clothing for her business. She hopes that this time will be no exception.
Sandra Elizabeth habita junto a su grupo familiar el cual está conformado por su esposo y su hijo Samuel que se encuentra iniciando estudios con kinder. Ella se dedica al comercio de ropa de manera ambulante en las principales áreas de la zona donde habita. Sandra es muy trabajadora y emprendedora. Desde hace algunos años decidió poner su negocio de ropa ambulante y en otros días también a sus clientes ofrece carne, es una mujer que tiene una alta autoestima, siempre busca aperturar oportunidades dado que los ingresos percibidos por su esposo no son suficientes para cubrir el gasto de las principales necesidades de su hogar. Es así como cada día se levanta muy temprano para realizar todas las tareas del hogar, atender a su familia y luego se pone en marcha para realizar la venta en las zonas más cercanas de su comunidad. Muchas personas la prefieren ya que es una mujer muy amable y responsable, pero lo más importante es que los clientes siempre encuentran lo que buscas a los mejores precios. Su sueño es poder incrementar su inventario para poder aumentar sus ventas de tal forma que pueda incrementar sus ingresos y de esta forma poder ayudar de mejor manera a su familia. Esta es la razón por la cual ha tomado la decisión de acercarse a esta institución para solicitar este préstamo el cual utilizará para invertir en la compra de variedad de prendas de vestir tales como: faldas, blusas, camisetas, pantalones, ropa interior, etc. de esta forma espera cumplir su sueño y confía en Dios todo poderoso que así será. Vale la pena mencionar que ella expresa estar muy agradecida con esta institución, INTEGRAL, ya que en el pasado le brindaron la ayuda que ella solicito para invertir en su negocio, espera que esta vez no sea la excepción.
Previous Loan DetailsSandra Elizabeth lives in her own home in a very humble area with her family, which is maD. up of her husband, who is 27, and her daughter, who goes to school. Sandra sells clothing like: skirts, dresses, pants, shorts, underwear, etc. She does this by traveling to the main communities in the… More from Sandra Elizabeth's previous loan »
About Apoyo IntegralApoyo 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
About El Salvador
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Success!! The loan was 100% repaid
- Repayment Term
- 20 months (Additional Information)
- Repayment Schedule
- Apr 18, 2012
- May 15, 2012
- Currency Exchange Loss:
- Jun 15, 2012
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.