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Graciela

Update on Graciela

Graciela, who is 64 years old, lives with her life companion and their children in their own house. She has a store where she sells basic products, such as beans, milk, eggs, and bread, among other items. She has had her business for many years, and this has given her experience in sales that allows her to obtain the best earnings. Her store is located in her home, in a very busy area. This has given her a lot of customers. People prefer her because she always has what they need, with quality products, affordable prices, and unequaled service. She is always at the command of the customers. Graciela is a woman dedicated to her work, energetic, and with many goals for the future. Her greatest secret for achieving success is perseverance and love of work. She knows that only this way will she achieve what she desires. Like every good businesswoman, she wants to increase her business and make a new investment, but she needs capital. For this reason, she is applying to INTEGRAL for a loan that will allow her to buy basic foodstuffs, candies, eggs, bread, beverages, etc. Graciela has good payment references. She confirms that she will repay the debt and at the same time she is confident that she will give her family a better quality of life.
View original language description ↓
Graciela de sesenta y cuatro años de edad vive junto a su compañero de vida y sus hijos en casa propia; ella posee una tienda donde vende artículos de primera necesidad, frijoles, leche, huevos, pan, entre otros, tiene muchos años con su negocio y eso le ha regalado experiencia en las ventas que le permite obtener las mejores ganancias, esta ubicada en el lugar de su residencia en una localidad muy transitada, se ha hecho de mucha clientela, las personas la prefieren porque siempre tiene lo que necesitan con producto de calidad, a precios accesibles y con un servicio inigualable siempre a la orden de los clientes; Graciela es una mujer dedicada a su labor, enérgica y con muchas metas por delante, su mas grande secreto para alcanzar el éxito es la constancia y el amor al trabajo sabe que solo así logrará lo que desea, como toda buena comerciante quiere acrecentar el negocio y realizar una nueva inversión pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, golosinas, huevos, pan, bebidas, etc. Graciela tiene buenas referencias de pago, asegura que cancelará la deuda y a la vez confía en que le dará a su familia una mejor calidad de vida.

Previous Loan Details

Graciela is 63 years old and lives with her partner. She has a store in her home where she sells basic products. Her store is very well-known in the area because Graciela always has what people need. She sells products of excellent quality at an accessible price. She offers a unique service because… More from Graciela's previous loan »

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.

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

  • $4,900
    Average annual income
  • 621
    View loans »
    El Salvador Loans Fundraising
  • $22,066,125
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $600 helped Graciela to buy basic foods, candies, eggs, breads, and beverages.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Nov 27, 2012
Listed
Jan 1, 2013
Currency Exchange Loss:
N/A
Ended:
Jun 19, 2014