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Vilma Esperanza
Vilma Esperanza is 48 years old and lives with her family. She is dedicated to selling clothing for women, men, and children. Vilma offers a variety of shirts, skirts, dresses, and pants, among other things. She has spent various years in her business and this has given her much experience, permiting her to obtain the best earnings. Vilma sells her goods in the streets and from her home. She has built up a large clientele, since people prefer her because she always has what they need at accessible prices, with quality products and excellent service.

Vilma is an enterprising woman, very dedicated to her work. She is always battling for what she wants and never thinks of surrendering until she reaches the success she deserves. During recent months, demand has increased and Vilma wants to take advantage, making a new investment. But she lacks the capital she needs for this.

Consequently, she is requesting, through INTEGRAL, a loan allowing her to buy clothing at wholesale. Vilma comes with good references for repayment and is very responsible. She is certain of repaying the debt and at the same time, confident that the investment will bring economic security to her home.
View original language description ↓
Vilma Esperanza de cuarenta y ocho años de edad vive junto a su familia; ella se dedica a la venta de ropa para damas, caballeros y niños, posee en variedad camisas, faldas, vestidos, pantalones entre otros, tiene varios años con el negocio y eso le ha regalado mucha experiencia que le permite obtener las mejores ganancias; comercia de forma ambulante y desde su hogar, se ha hecho de mucha clientela pues las personas la prefieren porque siempre tiene lo que necesitan a precios accesibles, con producto de calidad y con un servicio excelente; Vilma es una mujer emprendedora y muy dedicada a su labor, siempre esta luchando por lo que desea y no piensa rendirse hasta alcanzar el éxito que se merece, en los últimos meses aumento la demanda y quiere aprovechar para realizar una nueva inversión, pero no posee de capital que la respalde por eso le solicita a INTEGRAL un crédito que le permita comprar ropa por mayor. Vilma esperanza tiene buenas referencias de pago y es muy responsable asegura que podrá saldar la deuda y a la vez confía que le llevara 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

  • $4,900
    Average annual income
  • 629
    View loans »
    El Salvador Loans Fundraising
  • $24,061,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Vilma Esperanza purchase clothing at wholesale to sell in the streets.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Sep 27, 2012
Listed
Oct 15, 2012
Currency Exchange Loss:
N/A
Ended:
Jun 18, 2013