Update on Ana MaricruzAna Maricruz, 52, lives in a rented house with her husband and son. She owns a store where she sells the kind of merchandise that her customers need every day: beans, bread, eggs, drinks, soap, etc. She operates the business from a space in her house and is well known in the neighborhood. There are only a few other similar businesses nearby, something that's an advantage for her. She says, too, that her customers come to her because she provides good-quality products at reasonable prices. Ana is a hard-working woman, always ready to make the most of whatever opportunities come her way, and that's why she's successful. She wants to grow the business, but she lacks the capital she needs to buy a wider range of products. Ana is responsible and has good references. She knows that she can repay the loan and still give her family a better quality of life.
Previous Loan DetailsAna Maricruz is 42 years old and lives with her life partner, daughter and mother. She has a store where she sells staple grains, eggs, milk, soap etc. She has been in this business for several years and already has a lot of experience in sales. She is located in a busy area, and she already has ... More from Ana Maricruz'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
440View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 13 months (Additional Information)
- Repayment Schedule
- Nov 21, 2012
- Dec 1, 2012
- Currency Exchange Loss:
- Nov 17, 2013
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.