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Ruth Elizabeth
Ruth Elizabeth, 32, lives in a house she owns with her husband and son. She sells beauty products like lotions, creams, shampoo, make-up and other items sought by her customers via catalogue. She’s an enterprising woman who works hard to help cover household expenses and bring home a little extra money to meet some of the needs her husband’s low salary is insufficient for. She’s struggled much to acquire a good clientele since competition is always a factor. She now has quite a bit of experience in this line of work so has many regular customers who look for her daily because she’s a very charismatic, honest woman with her work.

Ruth has decided to take out a loan from Integral that she wants to invest in her business buying merchandise (lotions, creams, shampoo, make-up, etc.) that will make it possible for her to have her business well-stocked and to be up-to-date with the latest products as they hit the market and to continue attracting a variety of customers so her profits will increase allowing her to contribute income to help give her family a better quality of life.
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Ruth Elizabeth de 32 años de edad, habita en casa de su propiedad junto a su esposo e hijo. Ella se dedica al comercio de productos de belleza por catalogo como: lociones, cremas, shampoo, maquillajes y de mas artículos que son muy buscados por sus clientes. Es una mujer muy emprendedora la cual trabaja duramente para colaborar con los ingresos del hogar y poder llevar un poco de dinero extra que le permita suplir algunas de las necesidades que el bajo salario de su esposo no logra cubrir. Ha luchado mucho para lograr una buena clientela ya que la competencia siempre está presente. Tiene ya mucha experiencia en esta actividad por lo que ya cuenta con muchos clientes fieles que cada día la buscan por ser una mujer muy carismática y honrada en su trabajo. Ruth tomo la decisión de solicitar un crédito a INTEGRAL por que quiere invertir en su negocio en la compra de mas mercadería (lociones, cremas, shampoo, maquillaje, etc.) que le permita mantener su negocio surtido y estar al día de los nuevos productos que van lanzando al mercado y así seguir atrayendo una gran variedad de clientes que le permitan mejorar sus ganancias que le den la oportunidad de aportar con los ingresos y ayudar a dar 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

  • $4,900
    Average annual income
  • 609
    View loans »
    El Salvador Loans Fundraising
  • $22,169,325
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Ruth Elizabeth to buy lotions, creams, shampoo and make-up.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 31, 2012
Listed
Sep 17, 2012
Currency Exchange Loss:
N/A
Ended:
Nov 17, 2013