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Cruz
Cruz, age 38, lives with her life partner and their three children. She sells cosmetics, creams, and perfume, among others, by catalog. Her business is at her house, which is in a busy area. She also sells in an itinerant manner. She has many years of experience in sales, and this allows her to get good income. She is very well-known in the area. She has a lot of clientele who prefer her for the quality, good service, and above all, the accessible prices.

Cruz is an active, hard-working, and very tenacious woman. She wants to fulfill each one of her dreams. Her main dream is to give her family a full life because they are the most important thing she has.

For some time her house has had some damage. She wishes to repair it for the safety and comfort of her household. However, she does not have enough capital to do so. That is why she is requesting a loan from Integral. The loan will allow her to buy shingles, cement, and poles for the roof, etc.

Cruz has good payment references, and she is certain that she will be able to repay the debt punctually. She is very happy with the help. She knows that she will make full use of it.
View original language description ↓
Cruz de treinta y ocho años de edad vive junto a su compañero de vida y sus tres hijos; ella se dedica a la venta de productos por catalogo cosméticos, cremas, perfumes entre otros, su negocio esta ubicado en el lugar de su residencia en una zona muy frecuentada además comercia también de forma ambulante, tiene muchos años de experiencia en las ventas y eso le permite obtener muy buenas ganancias, es muy conocida en toda la zona ya tiene mucha clientela pues las personas la prefieren por la calidad, el buen servicio pero sobre todo por los precios accesibles; Cruz es una mujer activa, trabajadora y muy luchadora desea alcanzar cada uno de sus sueños y el principal es darle a su familia una vida plena pues son lo mas importante que posee, desde hace algún tiempo su vivienda tiene algunos desperfectos y para seguridad y comodidad de los miembros del hogar desea repararlos pero no posee de suficiente capital que la respalde por eso le solicita a INTEGRAL un crédito que le permita tejas, sementó polines para el techo etc. Cruz tiene buenas referencias de pago y tiene la certeza que podrá cancelar la deuda en el periodo establecido, además se siente muy satisfecha con la ayuda pues sabe que podrá aprovecharla al máximo.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 756
    View loans »
    El Salvador Loans Fundraising
  • $25,574,425
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Cruz to buy shingles, cement, and poles for the roof.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Oct 16, 2012
Listed
Nov 13, 2012
Currency Exchange Loss:
N/A
Ended:
Aug 18, 2013