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Dora Del Carmen
Dora del Carmen, 48, has a daughter and lives with her sister. She sells personal care products such as lotions, cosmetics, creams and other items. She also works as a seamstress to help cover household expenses and has been in business for quite some time, which has given her much experience in sales and sewing. She is very well-known in the area and has many customers because of the quality of her products, good prices and excellent service.

Dora is dedicated to her work. Every day she gets up with the hope of improving her situation and working toward a prosperous future. She knows that only with effort and dedication she will be successful, and will not give up until she makes it. Over the last few months demand has increased and she wants to take advantage of this by increasing her investment. She does not have sufficient capital and therefore is requesting a loan through INTEGRAL to buy creams, lotions, cosmetics and fabric wholesale. Dora del Carmen has a good credit record and is very responsible. She promises to pay the loan back on time, while offering her family a better quality of life.
View original language description ↓
Dora del Carmen de cuarenta y ocho años de edad tiene una hija y vive junto a su hermana. Ella se dedica a la venta de productos de uso personal lociones, cosméticos, cremas entre otros, adicional a eso también se dedica a la costura con lo que complementa los gastos del hogar, tiene mucho tiempo con el negocio y eso le ha regalado mucha experiencia en las ventas y en la costura, es muy conocida en la zona y ya posee mucha clientela pues las personas la prefieren por la calidad, los buenos precios pero sobre todo por el excelente servicio; Dora es una mujer dedicada a su labor, todos los días se levanta con la esperanza de superarse pues quiere un futuro prospero, sabe que solo con su esfuerzo y dedicación logrará el éxito y no se rendirá hasta alcanzarlo, en los últimos meses aumento su demanda y quiere aprovechar para aumentar la inversión, pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar cremas, lociones, cosméticos y tela por mayor. Dora del Carmen tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda y a la vez podrá 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 El Salvador

  • $7,500
    Average annual income
  • 727
    View loans »
    El Salvador Loans Fundraising
  • $26,313,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Dora Del Carmen to buy creams, lotions, cosmetics and fabric.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Aug 11, 2012
Sep 17, 2012
Currency Exchange Loss:
Mar 15, 2013