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Maria Encarnacion
María, age 40, prepares sandwiches, “pupusas”, and breakfast foods. She also sells beverages such as sodas, hot chocolate, coffee, and fruit juices. Her business is located along the path that leads to one of the most famous beaches in the country. This area is very crowded, which is a great benefit for her. In the afternoons, María sells sandwiches as a street vendor. She has a small cart where she prepares them. María works in this manner because she wants to generate more income. She is a single mother of three children (ages 15, 12, and 5) who are studying.

María is requesting a loan from Apoyo Integral so that she can acquire a large quantity of supplies for making sandwiches and “pupusas”.

View original language description ↓
María de 40 años de edad, trabaja elaborando tortas, pupusas y desayunos, así mismo vende bebidas como: sodas, chocolate, café y frescos. Su negocio se encuentra en el desvió que dirige una de las playas más famosas del país, por lo que es una zona muy concurrida lo que es de mucho beneficio para ella. Por las tarde María vende tortas de forma ambulantes en un carrito donde las elabora, esto lo hace con el deseo de percibir más ganancias, ya que María es madre soltera de tres hijos de 15, 12 y 5 años de edad quienes estudian. Ella solicita un préstamo a INTEGRAL, con el cual pueda comprar mayor cantidad de materia prima y así elaborar más tortas y pupusas.

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
  • 747
    View loans »
    El Salvador Loans Fundraising
  • $28,256,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $875 helped Maria Encarnacion to buy supplies for making sandwiches and “pupusas”.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 27, 2012
Nov 1, 2012
Currency Exchange Loss:
Sep 17, 2013