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Mariana Luz
Mariana Luz, 47, lives with her children in their own house. She has a carpentry shop where, with her son's help, she makes all kinds of items from wood: tables and chairs, among other things. She has had the business for years and is well known by the local people because the quality of her work is excellent and she makes items that meet her customers' wishes at low prices.

Mariana is an active, enterprising woman who wants to get ahead. She wants to take advantage of every opportunity that comes her way because she realizes this is the only way to succeed. In the past several weeks, she has taken losses on defective material and wants to make it up by reinvesting and increasing production; however, she needs capital. She is requesting a loan from INTEGRAL that will allow her to buy wholesale wood, nails, paint, varnish, etc. Mariana Luz has a good credit history and good references and is sure that she will be able to make her loan payments on time. At the same time, she hopes to offer her family financial security.
View original language description ↓
Mariana Luz de cuarenta y siete años de edad vive junto a sus hijos en casa propia; ella posee una carpintería donde realiza junto a la ayuda de su hijo varón todo tipo de trabajos con madera, mesas, sillas, muebles, entre otros, tiene varios años con el negocio y es muy conocido por las personas el lugar pues su trabajo es de excelente calidad y lo elabora al gusto del cliente además de los precios bajos; Mariana es una mujer activa, emprendedora y con muchas ganas de salir adelante, le gusta aprovechar cada oportunidad que se le presenta pues sabe que solo así alcanzara el éxito, en las últimas semanas tuvo pérdidas con un material defectuoso y desea recuperarse, quiere invertir de nuevo y aumentar la producción pero necesita de un apoyo de capital, por eso le solicita a INTEGRAL un crédito que le permita comprar madera por mayor, clavos, pintura, barniz, etc. Mariana Luz es de excelente paga tiene muy buenas referencias crediticias y está segura que podrá cancelar el financiamiento a tiempo, a la vez tiene la esperanza de ofrécele a su familia seguridad económica.

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
  • 644
    View loans »
    El Salvador Loans Fundraising
  • $28,178,625
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,100 helped Mariana Luz to buy wholesale wood, nails, paint, and varnish.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
May 4, 2012
Jun 2, 2012
Currency Exchange Loss:
Sep 15, 2012