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Irma Flor
Irma Flor is 48 years old and lives with her life partner and her daughter. She has a stand selling drinks, fruit shakes and natural juices. It is located in her home and in a community with a lot of pedestrian traffic. She has several years with her small business and has gained a great deal of experience, which allows her to achieve very good earnings.

She sells to all her neighbors and people in surrounding areas. They prefer her because everything she sells is top quality and affordable, and especially because the service is excellent.

Irma is an enterprising woman, devoted to her work. She is always looking for opportunities that will give her a more prosperous future, so day by day she does her very best to achieve her goal. In recent months, demand has increased and she wants to undertake a new investment. But she does not have sufficient working capital. That is why she is applying to Integral for a loan that will allow her to buy fruit and milk and maintain her blenders and juicer, etc.

Irma Flor has good payment references and is very responsible. She is confident she will be able to pay off the debt. At the same time she has faith that she will give her family a better quality of life.
View original language description ↓
Irma Flor de cuarenta y ocho años de edad vive junto a su compañero de vida y su hija, ella posee una venta de bebidas licuados y jugos naturales, ubicada en su vivienda en una comunidad muy transitada de personas, tiene varios años con su pequeño negocio y se ha hecho de mucha experiencia en las ventas que le permite alcanzar muy buenas ganancias, comercia para todos los vecinos y aledaños, ellos la prefieren porque todo lo que vende es de primera calidad, a precios accesibles y sobre todo con un excelente servicio; Irma es una mujer emprendedora, dedicada a su labor, siempre esta buscando alternativas que le den un futuro mas prospero, por lo que día a día se esfuerza al máximo para alcanzar su objetivo, en las ultimas semanas aumento la demanda y quiere realizar una nueva inversión pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar frutas, leche y mantenimiento de licuadoras y extractor, etc. Irma Flor tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez tiene fe 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
  • 710
    View loans »
    El Salvador Loans Fundraising
  • $27,167,700
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Irma Flor to buy fruit and milk, and maintain her blenders and juicer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 1, 2012
Nov 11, 2012
Currency Exchange Loss:
Oct 25, 2013