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Sandra Del Carmen
Sandra del Carmen lives with her life companion who is 42-years-old and with their children. She works selling tortillas. She’s been in this business for several years and has gained much experience that makes it possible for her to obtain the best results. Her business is located in a very strategic spot that’s visited by the people in the community. She’s very well-known because her tortillas are the most delicious and they are always nice and hot. She has many customers who seek her out because of the excellent quality, good prices and quick service. Sandra is a tenacious woman who is dedicated to her work. Her greatest goal is to attain success and she strives daily to secure a more prosperous future.

Demand has increased in recent months and she wants to take advantage of it to increase her investment but she does not have enough capital to do so which is why she’s asking Integral for a loan to buy corn at wholesale, propane gas, etc. Sandra del Carmen has good payment references from other institutions and she will be completely responsible for the debt; she hopes too to be able to provide a better life for her family.
View original language description ↓
Sandra del Carmen vive junto a su compañero de vida de cuarenta y dos años de edad y sus hijos; Ella se dedica a la venta de tortillas, tiene varios años con este trabajo y se ha hecho de mucha experiencia que le permite obtener los mejores resultados, su negocio esta ubicado en una zona muy estratégica y frecuentada por las personas de la comunidad, es muy conocida pues sus tortillas son las mas ricas y siempre están calientitas, tiene mucha clientela y la buscan por su excelente calidad, buenos precios y sobre todo el servicio mas rápido; Sandra es una mujer luchadora, entregada a su labor, su mas grande meta es alcanzar el triunfo y se esfuerza día con día para ganarse ese futuro mas próspero; en estos últimos meses ha aumentado la demanda y quiere aprovechar para aumentar su inversión pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar maíz por mayor, gas propano, etc. Sandra del Carmen tiene buenas referencias de pago por parte de otras instituciones y se hace responsable del pago completo de la deuda, y a la vez tiene la esperanza que podrá darle a su familia una vida mejor.

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
  • 685
    View loans »
    El Salvador Loans Fundraising
  • $28,234,000
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Sandra Del Carmen to buy corn at wholesale and to buy propane.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 15, 2012
Nov 14, 2012
Currency Exchange Loss:
Dec 19, 2013