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Mirian Ruth
Mirian Ruth, who is 32 years old, lives with her common-law husband and her children. She works selling bread with chicken and drinks. She has several years of experience in this business and this has given her the the opportunity to always earn a good income. Her store is located in a place that is good for her business, since she has many customers. The people there prefer her because she sells the best breads, has the best prices, and gives the fastest service.

Mirian is a woman very involved with her work, ready to give everything she can to achieve her dreams. The most important thing in her life is her family, and in the last few weeks the deterioration of her house has made the living situation there uncomfortable. The house needs repairs and she wants to complete them as soon as possible for everyone's security. Her biggest secret is perseverance, and she knows that this is how she will achieve success. She needs to invest but doesn't have the capital necessary for it, and so she is asking for a loan from INTEGRAL that will allow her to purchase cement, bricks, wood, tools, etc. Mirian Ruth has good references and is responsible enough to pay the debt, and at the same time has hope that she will be able to give her family better quality of life.
View original language description ↓
Mirian Ruth de treinta y dos años de edad vive junto a su compañero de vida y sus hijos, élla se dedica a la venta de panes con pollo y refrescos, tiene varios años de experiencia en el negocio y eso le ha dado la oportunidad de obtener siempre las mejores ganancias, su puesto esta ubicada en un lugar que califico como bueno para su trabajo ya tiene mucha clientela pues las personas la prefieren porque vende los panes mas exquisitos, además tiene los mejores precios, y el servicio mas rápido; Mirian es una mujer entregada a su labor, dispuesta a dar todo de su parte para cumplir sus sueños lo mas impórtate en su vida es su familia y en las ultimas semanas el deterioro de su vivienda ha incomodado la tranquilidad de su hogar, la casa necesita reparaciones y quiere realizarlas lo mas pronto posible para la seguridad de todos, su mas grande secreto es la perseverancia, sabe que así alcanzara el éxito, necesita invertir pero no posee de suficiente capital por eso le solicita a INTEGRAL un crédito que le permita comprar cemento, ladrillos, madera, herramientas etc. Mirian Ruth tiene buenas referencias de pago y se hace responsable de cancelar la deuda y a la vez tiene la esperanza que podrá darle a su familia una mejor calidad de vida

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About El Salvador

  • $7,500
    Average annual income
  • 756
    View loans »
    El Salvador Loans Fundraising
  • $26,264,500
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Mirian Ruth to buy materials to repair her home.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jan 17, 2013
Feb 1, 2013
Currency Exchange Loss:
May 18, 2014