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Herena Carolina
Herena Carolina is 30 years old, and lives with her life partner, Ángel, and their children. She has a store where she sells basic household necessities, such as beans, rice, bread, instant products, soap and other items.

She has several years with the business, and that has given her valuable experience in sales, which allows her to obtain better earnings. The business is located in her home, and is very well known. She has a large clientele, as people prefer her because everything she sells is top quality and affordable. In addition to the unequaled service, she is always at the service of her customers.

Herena is an energetic, hard-working woman with many goals for the future. She is ready to do her very best, as she knows that only in this way will she be able to fulfill her dreams and achieve success.

As every good business person does, she wants to see her business grow and also wants to undertake new investments. But she doesn't have sufficient working capital and that is why she is applying to Integral for a loan that will allow her to buy staple grains, bread, candy, instant products, drinks, soaps, etc.

Herena Carolina has good payment references and is happy about the help she is getting. She is confident that she will be able to pay off the debt, and at the same time has faith that she will be able to bring financial security to her household.
View original language description ↓
Herena Carolina de treintas años de edad vive junto a su compañero de vida Ángel y sus hijos, ella posee una tienda donde vende productos de primera necesidad, frijoles, arroz, pan, producto instantáneo, jabón, entre otros, tiene varios años con el negocio y eso le ha regalado experiencia valiosa en las ventas que le permite obtener las mejores ganancias, el negocio esta ubicado en su vivienda y es muy conocido, tiene mucha clientela pues las personas la prefieren porque todo lo que comercia es de primera calidad y a precios accesibles además del servicio inigualable siempre a la orden de los clientes; Herena es una mujer enérgica, trabajadora, y con muchas metas por delante, esta dispuesta a esforzarse al máximo pues sabe que solo así podrá cumplir sus sueños y llegar al éxito, como toda buena comerciante quiere acrecentar el negocio y realizar nuevas inversiones pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, pan, golosinas, producto instantáneo, bebidas, jabones, etc. Herena Carolina tiene buenas referencias de pago y se siente satisfecha con la ayuda, asegura que podrá saldar la deuda y a la vez tiene fe que podrá llevar 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
  • 659
    View loans »
    El Salvador Loans Fundraising
  • $24,170,250
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Herena Carolina to buy staple grains, bread, candy, instant products, drinks, and soaps.
100% repaid
Repayment Term
16 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 15, 2012
Listed
Nov 12, 2012
Currency Exchange Loss:
N/A
Ended:
Sep 17, 2013