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Elsa Del Carmen
Elsa del Carmen is 55 years old and lives with her family. She owns a food stand in the municipal market. She has 35 years of experience in this business. This experience has helped her to have the best sales of the market. She is well known and has many clients, who know that she makes the most delicious dishes and has a very complete menu of soups, meats, salads, and breakfasts, among other. Furthermore, her customers know she uses high quality ingredients to prepare the menu yet has reasonable prices.

Elsa is a very friendly, helpful, hard working woman and above all dedicated to her home. She thinks that best place is home, where she feels is the only place that she can protect her family. Her home still does not have electric power. For this reason, she is requesting a loan to invest in home improvements. This loan will allow her to do the electrical installation and buy some ingredients for her business. Elsa del Carmen is responsible and with good credit references, she is sure that will be able pay back the debt and at the same time offer her family a better quality of life.
View original language description ↓
Elsa del Carmen de cincuenta y cinco años de edad vive junto a su familia; ella posee una venta de comida en el mercado municipal de la zona, tiene treinta y cinco años de experiencia en el negocio y eso le ha ayudado a adquirir las mejores ventas del lugar, es muy conocida y ya tiene mucha clientela pues saben que los platillos que prepara son los más exquisitos y tiene en variedad sopas, carnes, ensaladas, desayunos, entre otros, además las personas saben que todo es elaborado con material de primera calidad y a precios accesibles; Elsa es una mujer muy amable, servicial, trabajadora y sobre todo entregada a su hogar, piensa que su vivienda es el mejor lugar para estar con su familia y donde sabe que los puede proteger, en su casa todavía no cuenta con energía eléctrica y necesita de capital para invertir en la mejora de su vivienda por eso solicita a INTEGRAL un crédito que le permita realizar la instalación eléctrica, y comprar además algunos insumos para el negocio. Elsa del Carmen es responsable y con buenas referencias crediticias, está segura que podrá saldar la deuda y a la vez ofrecerle a su familia una mejor calidad de vida.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 733
    View loans »
    El Salvador Loans Fundraising
  • $27,052,775
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped Elsa Del Carmen to do the electrical installation for her home and buy some ingredients for her business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
May 9, 2012
Jun 7, 2012
Currency Exchange Loss:
Sep 15, 2012