Rubenia De Jesús
Update on Rubenia De JesúsRubenia de Jesús, 32, lives with her life partner and children. She has a tailor shop where she makes all types of garments for women, men, and children. She has been in this business for many years and has a lot of experience. She's well known in the area and has acquired a lot of customers. She makes the best garments with top-quality materials and sells at affordable prices. Also, her service is extraordinary. Rubenia is always ready to serve her visitors. To supplement the household expenses, she also sells cosmetics.
Rubenia's an enterprising woman who wants to get ahead. Her goal is to strive for success with effort and dedication. She wants to increase the profits of her business, so she'll invest to increase production.
She needs capital, so she's asking Integral for a loan to buy fabric wholesale, thread, needles, etc.
Rubenia de Jesús has a good credit record. She's responsible and has impeccable morals, and knows with certainty that she'll pay back the loan as well as be able to give her family a full life.
Previous Loan DetailsRubenia de Jesús is 32 years old and lives with her family which includes her 32 year old companion and her children, aged 13 and 6. She makes a living selling products from a catalog and sewing beautiful garments. She has been in this line of work for many years and has a lot of experience in… More from Rubenia De Jesús's previous loan »
About Apoyo IntegralApoyo 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.
Concurrent and Successive Loans
Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.
This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.
About El Salvador
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Success!! The loan was 100% repaid
- Repayment Term
- 16 months (Additional Information)
- Repayment Schedule
- Nov 15, 2012
- Dec 1, 2012
- Currency Exchange Loss:
- Feb 21, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.