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Vilma Haydee
Vilma Haydee is twenty eight years old. She lives with MIguel, her life's companion, her seven year old daughter, her parents and her sister. She sells dairy products: cream, cottage cheese, cheese and more. She has had this business for several years and it has had good results. She sells in different areas and from her house. She does most of her sales as a street vendor. She has a lot of regular customers because they knew that every thing she sells is of good quality, hygenic and well priced with good service.Vilma is an enterprising woman who really wants to get ahead. She has a lot of goals to reach and she is willing to do it. For a long time she has wanted to increase her sales but she needs capital to buy products. That is why she is asking INTEGRAL for a loan that will allow her to buy milk, cream, cottage cheese, eetc. wholesale. Vilma Haydee is very responsible and has very good payment references. She is certain she will pay off the loan on time and also give her family a full life.
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Vilma Haydee de veintiocho años de edad vive junto a su compañero de vida Miguel su hija de siete años, sus padres y su hermana; ella se dedica a la venta de lácteos: crema, requesón, queso, entre otros, tiene varios años de poseer este negocio y le ha dado muy buenos resultados, sus ventas las realiza en diferentes zonas y desde su hogar, pero la mayor venta la realiza de forma ambulante, ya tiene mucha clientela fija porque saben que todo lo que comercia es de calidad, higiénico a buenos precios y con un servicio excelente; Vilma es una mujer emprendedora con muchas ganas de salir adelante, tiene muchas metas que desea alcanzar y está dispuesta a lograrlo, desde hace mucho tiempo quiere aumentar sus ventas pero necesita de capital para la compra de insumos por eso le solicita a INTEGRAL un crédito que le permita comprar por mayor: leche, crema, requesón, etc. Vilma Haydee es muy responsable y tiene muy buenas referencias de pago, tiene la certeza que cancelará el financiamiento en el tiempo establecido y a la vez le dará a su familia una vida plena.

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
  • 754
    View loans »
    El Salvador Loans Fundraising
  • $25,569,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $1,200 helped Vilma Haydee to buy milk, cream and cottage cheese.
Repayment Term
20 months (Additional Information)
Repayment Schedule
May 22, 2012
Jun 6, 2012
Currency Exchange Loss:
Jul 6, 2012