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María Del Carmen
María del Carmen, 41, lives with her family group composed of her life companion and their children. She sells shoes and sandals for men, women and children; she has several styles that are very much in vogue. She sells from place to place throughout her neighborhood and in adjacent municipalities. She has quite a large number of regular customers because people seek her out because of the quality of her products, her affordable prices and above all for the unequalled service she offers; she is always at her customers’ service.

María is an active woman who is dedicated to her work. She is tenacious and above all a dreamer which is most important. She wants to reach each and every one of her goals which is why she works day to day with much effort and dedication because she knows that this is the only way to attain success.

Like all good merchants, she wants to expand the business in order to increase profits. She needs to invest but does not have sufficient capital to do so which is why she’s asking INTEGRAL for a loan to be able to buy shoes and sandals at wholesale. María del Carmen has good payment references and she takes on the commitment of the debt while at the same time hoping to be able to give her family the quality of life they so deserve.
View original language description ↓
María del Carmen de cuarenta y uno años de edad vive junto a su grupo familiar conformado por su compañero de vida y sus hijos; ella se dedica a la venta de zapatos y sandalias para damas, caballeros y niños, tiene en varios estilos y muy a la moda, comercia de forma ambulante por la localidad donde vive y por los municipios aledaños a la comunidad, ya tiene mucha clientela fija pues las personas la buscan por la calidad de su producto, por los precios accesibles pero sobre todo por el servicio inigualable que siempre esta a la orden de las de los clientes; María es una mujer activa, dedicada a su labor, luchadora pero lo mas importante soñadora quiere cumplir cada una de sus metas por eso trabaja día con día con esfuerzo y motivación sabe que solo así alcanzara el éxito, como toda buena comerciante quiere acrecentar el negocio pues así aumentaran las ganancias, necesita invertir pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permite comprar zapatos y sandalias por mayor. María del Carmen tiene buenas referencias de pago, se hace responsable del pago de la deuda y al mismo tiempo tiene la esperanza que podrá darle a su familia la calidad de vida que se merecen.

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
  • 633
    View loans »
    El Salvador Loans Fundraising
  • $28,084,350
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped María Del Carmen to buy shoes and sandals at wholesale.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 10, 2012
Aug 22, 2012
Currency Exchange Loss:
Aug 18, 2013