Update on Ana VilmaAna Vilma is 49 and lives in her own home with her family, which is made up of her husband and 4 children. Her husband and one of her sons make a living through brick laying. Her other children are in school. They want to better themselves and become professionals. Her oldest son helps Ana with her bakery business that is located in her home. This is how she manages to provide the daily bread for her home given that apart from her husband's income and the income she makes from her business, she doesn't have another source of income. This is why she works hard to be able to give her family economic stability and to help with what is possible with her children's education. She is very well-known in the area as a hard-working, responsible, and honorable person. Thanks to her charisma and good service, she has been able to establish some fixed customers who prefer her more every day. Her wish is to be able to maintain her business for a long time to continue contributing to her family's income. This is why she is requesting this loan since she wants to invest in basic supplies like: flour, sugar, yeast, oil, food coloring, and other necessary items to make her delicious bread. With this decision, she hopes to be able to accomplish her goal of having a larger supply, which will let her strengthen her bakery and support her home. She expresses that she is very grateful with the institution since in the past they helped her when she requested a loan. She hopes that this time will not be an exception.
Ana Vilma tiene 49 años de edad y habita en casa de su propiedad junto con su unidad familiar la cual está integrada por su esposo y 4 hijos. Su esposo y uno de sus hijos se dedican a la albañilería, dos de sus otros hijos se encuentran estudiando ya que desean superarse y poder convertirse en todos unos profesionales. En cambio, el mayor de los hijos ayuda a Ana con el negocio de panadería que tiene ubicado en su hogar de residencia. Es así como logra llevar el pan de cada día a su hogar dado que aparte de los ingresos de su esposo y de los ingresos que percibe de su negocio no cuenta con otra fuente de ingresos. Es por esta razón que trabaja duramente para poder dar a su familia estabilidad económica y ayudar en lo que le sea posible a sus hijos en el estudio. Es muy conocida en la zona como una persona trabajadora, responsable y honrada. Gracias a su carisma y buen servicio a logrado establecer algunos clientes fijos que cada día la prefieren más. Su deseo es poder mantener su negocio por mucho más tiempo para continuar colaborando con la economía del hogar. Es por esto que solicita este préstamo ya que desea invertir en los insumos básicos como: harina, azúcar, levaduras, aceite, colorantes, y de más insumos necesarios para la preparación del delicioso pan. Con dicha decisión espera poder lograr su objetivo de contar con una mayor oferta, la cual le permita fortalecer la panadería y llevar el sustento al hogar. Expresa estar muy agradecido con esta institución ya que en el pasado le ayudaron cuando solicito un crédito, espera que en esta ocasión no sea la excepción.
Previous Loan DetailsAna Vilma is 48 years old and lives with her life partner and their four children. She owns a bakery which is well-known in the area where she lives, since the bread that Ana prepares has a unique taste, is fresh baked, and is of an excellent quality, and she sells it at a reasonable price. Deman... More from Ana Vilma'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
- 21 months (Additional Information)
- Repayment Schedule
- Apr 30, 2012
- May 20, 2012
- Currency Exchange Loss:
- Aug 18, 2013
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.