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Maria Ester
María Ester, age 47, lives with her life partner and their children. She owns a small store where she sells daily necessity items like bread, eggs, milk,and cold cuts, among others. She's been running this business for many years, which has given her a lot of experience in sales that allows her to generate the best profits she can. The store is located in her home in at a location with a lot of foot traffic. She already has a lot of customers, but her best clients are her neighbors, who recommend her because she always has what they need, quality products at affordable prices, and with excellent service.

María is an enterprising woman very dedicated to her work and who has many goals that she aims to achieve. Her biggest secret to achieving success is effort and a love of work. In recent weeks, demand has been increasing and she would like to take advantage. That's why she's requesting this loan from Apoyo Integral [Kiva field partner] that will allow her to buy basic items like milk, eggs, and deli meats. María Ester has a good payment history and is very responsible. She is certain that she will be able to pay off the loan and is confident that it will give her family a better quality of life.
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María Ester de cuarenta y siete años de edad vive junto a su compañero de vida Alberto y sus hijos; Ella posee una tienda donde vende artículos de primera necesidad granos básicos, pan, huevos, leche, embutidos, entre otros, tiene varios años con el negocio y eso le ha regalado mucha experiencia en las ventas lo cual le permite obtener las mejores ganancias, la tienda esta ubicada en su residencia en una localidad muy transitada de personas, ya tiene mucha clientela pero sus mejores clientes son los vecinos quienes la recomiendan porque siempre tiene lo que necesitan, con producto de calidad, a precios accesibles y con un servicio excelente; María es una mujer dedicada a su labor, emprendedora y con muchas metas que desea alcanzar su mas grande secreto para alcanzar el éxito es el esfuerzo y el amor al trabajo, en las ultimas semanas aumento la demanda y quiere aprovechar la inversion por eso le solcita a INTEGRAL un credito que le ermita comprar granos basicos, leche, huevos, embutidos.María Ester tiene buenas referencias de pago y es muy responsable asegura que podrá saldar la deuda y a la vez confía que le dará 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
  • 760
    View loans »
    El Salvador Loans Fundraising
  • $26,201,750
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
A loan of $500 helped Maria Ester to buy basic items like milk, eggs, and deli meats.
Repayment Term
20 months (Additional Information)
Repayment Schedule
Sep 22, 2012
Oct 11, 2012
Currency Exchange Loss:
Nov 10, 2012