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María Lourdes
María Lourdes, 33, lives with her family composed of her husband, 24, and her 8-year-old son. Her husband, like her, is a merchant. Her son is attending school.

She’s been selling second-hand clothes for a long time. Her business is well-located, that is, accessible to many people. Thanks to her good management she’s known how to win over the trust of her customers who prefer her more each day. She sells a variety of articles of clothing like skirts, pants, shorts, dresses, underwear and other items that are attractive to customers. It’s worth mentioning that she keeps affordable prices for all sorts of people who visit her business. Her wish is to provide schooling for her son because she wants to see him become a professional with better opportunities than she and her husband have had.

Because the economic situation is very difficult and income is insufficient to cover her family’s basic needs, she’s decided to invest in her business buying new merchandise because she foresees that in this way she will attract new customers leading to increased sales levels and thus increased income levels too. Because of this she’s asking INTEGRAL for this loan to push her investment because she wants to buy a variety of clothing items like skirts, dresses, blouses, pants, t-shirts and shorts. She hopes that her economic situation will improve this way since this business is one of the main sources of income she relies on. She trusts that after selling the merchandise she will be able to repay the loan and be able to continue bringing daily bread to her home.
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María Lourdes tiene 33 años de edad y habita junto a su grupo familiar el cual está integrado por su esposo de 24 años y su hijo de 8 años. Su esposo al igual que ella es comerciante. Su hijo se encuentra estudiando. Desde hace mucho tiempo se dedica a la venta de variedad de prendas de vestir de segunda mano. Su negocio está bien ubicado, es decir, es accesible a muchas personas. Gracias a su buen desempeño en su trabajo ha sabido ganarse la confianza de sus clientes los cuales cada día la prefieren más. Vende variedad de prendas de vestir tales como: faldas, pantalones, shorts, vestidos, ropa interior y de más artículos que son atractivos a los clientes. Vale la pena mencionar que mantiene precios accesibles para todo tipo de persona que visita su negocio. Su deseo es dar a su hijo el estudio, ya que desea verlo como un profesional con mejores oportunidades a las que ella y su esposo han tenido. Debido a que la situación económica es muy difícil, y los ingresos no dan abasto para cubrir las necesidades básicas de su familia, ha decidido invertir en su negocio en la compra de nueva mercadería ya que prevé que de esta forma logrará atraer a nuevos clientes que le permitirán aumentar su nivel de ventas y por ende su nivel de ingresos. Por lo anterior solicita este crédito a INTEGRAL para impulsar su inversión ya que desea comprar variedad de prendas de vestir como: faldas, vestidos, blusas, pantalones, camisetas, shorts, . espera que de esta forma su situación económica se vea mejorada ya que este negocio es una de las principales fuentes de ingresos con la que cuenta. Confía que después de vender la mercadería logrará pagar el crédito y podrá continuar llevando el pan de cada día a su hogar.

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
  • 451
    View loans »
    El Salvador Loans Fundraising
  • $23,269,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Expired
A loan of $1,100 helped María Lourdes to buy clothes and articles for the home.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Apr 30, 2012
Listed
Jun 2, 2012
Currency Exchange Loss:
N/A
Expired:
Jul 2, 2012