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Teresa Del Carmen
Teresa del Carmen is 40 years old and lives with her husband and their children in their own home. She sells women's, men's, and children's clothing. She sells a variety of shirts, skirts, suits, pants, and other items. She has done this work for many years and now has a lot of experience which helps her increase her income. She sells her clothing door-to-door and from her home. She has many regular clients that prefer buying from her because she always provides what they need, offers affordable prices, sells only high-quality items, and provides excellent service.

Teresa is an entrepreneurial woman that works very hard. She always fights for what she wants and never stops until she is successful. In the last few months, demand for her clothing has increased. She wants to take advantage of this opportunity but doesn't have the capital she needs to purchase more clothing to sell. Therefore, she is seeking a loan from INTEGRAL so that she can purchase more clothing. Teresa del Carmen has great references and is very responsible. She assures us that she will be able to repay the loan and at the same time she is confident that she will be able to better provide for her household.
View original language description ↓
Teresa del Carmen de cuarenta y tres años de edad vive junto a su compañero de vida y sus hijos en casa propia; ella se dedica a la venta de ropa para damas, caballeros y niños, posee en variedad camisas, faldas, vestidos, pantalones entre otros, tiene varios años con el negocio y eso le ha regalado mucha experiencia que le permite obtener las mejores ganancias; comercia de forma ambulante y desde su hogar, se ha hecho de mucha clientela pues las personas la prefieren porque siempre tiene lo que necesitan a precios accesibles, con producto de calidad y con un servicio excelente; Teresa es una mujer emprendedora y muy dedicada a su labor, siempre esta luchando por lo que desea y no piensa rendirse hasta alcanzar el éxito que se merece, en los últimos meses aumento la demanda y quiere aprovechar para realizar una nueva inversión, pero no posee de capital que la respalde por eso le solicita a INTEGRAL un crédito que le permita comprar ropa por mayor. Teresa del Carmen tiene buenas referencias de pago y es muy responsable asegura que podrá saldar la deuda y a la vez confía que le llevara a su hogar seguridad económica.

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
  • 764
    View loans »
    El Salvador Loans Fundraising
  • $27,004,800
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Teresa Del Carmen to buy clothing for sale.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Dec 26, 2012
Jan 10, 2013
Currency Exchange Loss:
Apr 18, 2013