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Maria Ines
María Inés is fifty-five years old and lives with her partner and their children. She makes her living baking and selling baguettes and sweet breads, like "quesadillas" (small rolls flavored with cheese), little cakes, pies and other items. She has been in the business a numbers of years and has gained a lot of experience in her bakery. She prepares the most delicious bread, thanks to which she earns a good living. The business is located in her home, which is in a very busy area. She has earned a lot of customers because of her good quality, good prices and also her excellent customer service. María is an enterprising, determined and active woman who is dedicated to her work. Day by day she looks for good opportunities that allow her to make her dreams come true. She will not give up until she has achieved the success that she so deserves. In the last weeks the demand has increased, and María wants to take advantage of an investment. She is requesting a loan from INTEGRAL to purchase wholesale flour, jam, milk, sugar, salt etc. María Inés is a good financial risk and she is very responsible. She assures us that she will be able to pay off her debt and at the same time trusts that she will give her family a better quality of life.
View original language description ↓
María Inés de cincuenta y cinco años de edad vive junto a su compañero de vida y sus hijos; él se dedica a la elaboración y venta de pan francés y pan dulce, como quesadillas, pastelitos, tortas, entre otros, tiene varios años con el negocio y ha adquirido mucha experiencia en la panadería por lo que prepara el pan mas exquisito, gracias a eso obtiene siempre las mejores ganancias; El negocio esta ubicado en su vivienda en una zona muy concurrida de personas, se ha hecho de mucha clientela pues la prefieren por la calidad, los buenos precios y además por el servicio excelente; María es una mujer emprendedora, activa, dedicada a su labor y muy luchadora, dia a dia busca buenas oportunidades que le permitan alcanzar sus sueños y no se rendirá hasta tener el éxito que tanto se merece, en las ultimas semanas aumento la demanda y quiere aprovechar para una nueva inversión por eso le solicita a INTEGRAL un crédito que le permita comprar harina por mayor, dulce, leche, azúcar, sal, etc. María Inés tiene buenas referencias de pago y es muy responsable, asegura que podrá saldar la deuda y a la vez confía que le dará 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
  • 637
    View loans »
    El Salvador Loans Fundraising
  • $28,127,975
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $800 helped Maria Ines to purchase wholesale flour, jam, milk, sugar and salt.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Nov 24, 2012
Dec 1, 2012
Currency Exchange Loss:
Dec 19, 2013