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María Josefina
María Josefina lives with her life companion, Víctor, and their three children. She sells chicken tamales and ‘atol’ [corn based beverage]. She’s been in business several years and has attained much sales experience. She’s very well-known in the area because she makes the most delicious tamales and the most exquisite atoll. She has a large regular clientele who prefer her because they know everything she makes is with top quality ingredients at affordable prices in addition to excellent service.

María is an active woman who is devoted to her work. She has many dreams to reach and is working her hardest to do so. Her greatest secret is perseverance; she knows that will lead her to success.

Like all good merchants, she wants to increase business but needs a new investment but does not have enough capital to do so which is why she’s asking Integral for a loan to buy corn dough, chicken, corn on the cob, vegetables, etc. María Josefina has good payment references and is sure that she will be able to repay the loan while at the same time has faith that she’ll be able to provide a better quality of life for her family.
View original language description ↓
María Josefina vive junto a su compañero de vida Víctor y sus tres hijos, ella se dedica a la venta de tamales de gallina y atol, tiene varios años de trabajar en el negocio y se ha hecho de mucha experiencia en la venta, es muy conocida en la zona pues prepara los tamales mas ricos y el atol mas exquisito del lugar, tiene mucha clientela fija que la prefiere porque saben que todo es elaborado con materia prima de primera calidad y a un precio accesible además de un excelente servicio; María es una mujer activa, entregada a su labor, tiene muchos sueños que desea alcanzar y esta trabajando al máximo para poder cumplirlos, su mas grande secreto es la perseverancia sabe que eso la llevara al éxito, como toda buena comerciante desea aumentar la producción pero para ello necesita una nueva inversión y no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar maíz, gallina, elote, verdura, etc. María Josefina tiene buenas referencias de pago asegura que podrá saldar la deuda y a la vez tiene la esperanza que podrá darle 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
  • 783
    View loans »
    El Salvador Loans Fundraising
  • $25,635,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $200 helped María Josefina to buy corn, corn on the cob, vegetables and chicken.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 30, 2012
Listed
Sep 17, 2012
Currency Exchange Loss:
N/A
Ended:
Jul 20, 2013