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Maria Del Carmen
María del Carmen, 33, lives with her life companion and their children in a house of her own. She has a store where she sells basic staples like basic grains, bread, eggs, milk and soap, among others. She’s been in business for several years and has acquired valuable experience that has led to the best profits. The store is located at home in a neighborhood with many passersby. She already has a large clientele but her best, regular customers are her neighbors who prefer her because she has the best stocked store with quality products at accessible prices plus provides excellent service.

María is an energetic, determined, humble woman who is dedicated to her work; she’s always striving to attain a better future. Her greatest secret is the love for her work; she knows that only in that way will and with great effort will she attain the success she so desires.

Like all good merchants, she wants to expand her business but lacks sufficient capital to do so which is why she’s asking Integral for a loan to buy basic grains, bread, snacks, beverages, instant products, etc. María del Carmen has good payment references and unblemished morals. She assures that she will be able to repay the loan while at the same time she trusts that she will provide her family with better quality of life.
View original language description ↓
María de Carmen de treinta y tres años de edad vive junto a su compañero de vida y sus hijos en casa propia; ella posee una tienda donde vende artículos de primera necesidad granos básicos, pan, huevos, leche, jabón, entre otros, tiene varios años con el negocio y se ha hecho de mucha experiencia valiosa que le ha permitido obtener las mejores ganancias, la tienda esta ubicada en su residencia en una colonia muy transitada de personas, ya tiene mucha clientela pero sus mejores clientes fijos son sus vecinos, todos la prefieren porque posee la tienda mas surtida, con productos de calidad, y a precios accesibles, además de un excelente servicio; María es una mujer enérgica, decidida, humilde y muy dedicada a su labor, siempre esta luchando por ganarse un futuro mejor, su mas grande secreto es el amor a su trabajo sabe que solo así y con esfuerzo podrá lograr el éxito que tanto desea, como toda buena comerciante desea acrecentar el negocio pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, pan, golosinas, bebidas, producto instantáneo, etc. María del Carmen tiene buenas referencias de pago y una moral intachable, 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

  • $4,900
    Average annual income
  • 687
    View loans »
    El Salvador Loans Fundraising
  • $25,086,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Maria Del Carmen to buy stock merchandise for her store.
100% repaid
Repayment Term
15 months (Additional Information)
Repayment Schedule
Sep 23, 2012
Oct 15, 2012
Currency Exchange Loss:
Oct 25, 2013