Update on MaribelMaribel lives with her niece and makes men’s, women’s, and children’s clothing. She makes a variety of types of shirts, skirts, dresses, pants, and other things. She’s been doing this for several years and it’s given her lots of experience that has allowed her to obtain a good profit. She sells from the place that she has identified as being a good place to make sales and has many customers who prefer to buy from her because she always has what they need, at good prices, good quality, and with excellent service.
Maribel is an enterprising woman who is very dedicated to her work. She is always working for what she wants and does not plan to quit until she is successful in what she deserves. Demand has increased in the past months and she wants to take advantage of this by making a new investment. She doesn’t have the working capital she needs, so she has requested a loan through INTEGRAL. This will allow her to buy fabric in quantity, thread, needles, scissors, etc. Maribel has a good payment record and is very responsible. She is certain that she can get out of debt and at the same time bring financial security to her home.
Previous Loan DetailsSra. Maribel is 53 years old and lives in her own house with her nephew and grandson. She earns her living by making and selling clothing. She’s been doing this work for approximately twelve years so has a lot of experience and is well-known in the area where she lives. She makes the clothing in… More from Maribel'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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