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Cleta is a simple and hardworking woman, who is an informal trader, selling tortillas out of her house. At the age of 46, Cleta is buying a house with a loan; meanwhile, she lives in a lodging house with her and daughter and granddaughter in very basic conditions. Her daughter helps with the business. Every day, early in the morning, Cleta has to cook the corn, go to the mill to de-hull it, and then start her day making tortillas.

Cleta needs funding to buy staples, such as corn, lime, and propane gas. She estimates that she will be able to take care of her family's daily needs, once she obtains a loan that will allow her to be sure to be able to buy what she needs for her work. Moreover, since she is very conscientious, she promises to pay her installments faithfully.
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Cleta, es una mujer sencilla y trabajadora, que se dedica al comercio informal, vendiendo tortillas en su casa. A sus 46 años de edad, Cleta está comprando una casa a través de un préstamo, mientras tanto, vive en un mesón con su nieta y su hija en condiciones muy sencillas, su hija ayuda con el negocio. Cada día, desde muy temprano Cleta debe cocer el maíz, ir al molino a moler el nixtamal, y luego iniciar la jornada de hacer las tortillas. Cleta necesita un crédito para la compra de materias primas como maíz, cal, leña, gas propano. Ella estima que podrá proveer el sustento diario a su familia, si obtiene un préstamo que le permita asegurar la compra de las materias primas para realizar su trabajo. Además ya que es una mujer muy comprometida con lo que se propone asegura que cumplica fielmente con el pago de su crédito

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
  • 567
    View loans »
    El Salvador Loans Fundraising
  • $23,916,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $425 helped Cleta to buy corn, lime, firewood, propane gas, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 15, 2012
Jun 2, 2012
Currency Exchange Loss:
Nov 17, 2013