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Maria Elena
Maria Elena, 44, lives in her own home with her life partner, Herber, and their 3 daughters. She has a business selling coconuts that is located in a very busy spot. She has had this small business for a number of years, and so has valuable experience in retail trade that allows her to obtain the best earnings. She is very well-known in the neighborhood, and she already has a lot of customers who prefer her business because of the quality products that she has. In addition, she offers affordable prices and unequalled service, and is always ready to serve her customers. Maria is a woman who is very dedicated to her work. She is energetic and very tenacious, and she is always out in front of the situation, seeking alternatives that will help her to find a path to success. She knows that this way she will have a more prosperous future.

Like all good merchants, she wants to make a new investment to expand her business. However, she lacks the capital to do this. For this reason, she is requesting a loan from INTEGRAL that will allow her to buy coconuts at wholesale. Maria Elena has good credit references, and is very responsible. She is certain that she will be able to pay off the debt, and at the same time bring economic security to her household.
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María Elena de cuarenta y cuatro años de edad vive junto a su compañero de vida Herber y sus tres hijas en casa propia; ella se dedica a la venta de coco en un lugar muy concurrido de personas, tiene varios años con el pequeño negocio y eso le ha regalado mucha experiencia valiosa en las ventas que le permite obtener las mejores ganancias, es muy conocida en la zona y ya tiene mucha clientela que la prefieren porque su producto es de calidad y a precios accesibles además de un servicio inigualable siempre a la orden de los clientes; María es una mujer dedicada a su labor, enérgica, y muy luchadora siempre esta al frente de la situación buscando alternativas que le ayuden a encontrar un camino al éxito pues sabe que así tendrá un futuro mas prospero, como toda buena comerciante quiere realizar una nueva inversión para extender el negocio pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar cocos por mayor. María Elena tiene buenas referencias de pago y es muy responsable asegura que podrá saldar la deuda y a la vez confía que podrá llevar a su hogar seguridad económica.

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
  • 764
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $700 helped Maria Elena to buy coconuts at wholesale.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Sep 10, 2012
Oct 10, 2012
Currency Exchange Loss:
May 17, 2013