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Emma
Emma lives with her son in her own home. She sells tortillas from her home. She has been working in this small business for several years and has acquired valuable experience which has allowed her to speed up the production of tortillas. Thanks to good sales management, she gets the best profits. The community where she lives is very busy and she already has many customers. Although her best customers are her neighbours, everyone prefers her because her product is of good quality, affordable and above all the quickest service. Emma is an active and determined woman who is very dedicated to her work. She wants to move forward and fulfill her dreams and every day she puts maximum effort in her work as she knows that this is the only way she can achieve success which she really hopes.

In recent weeks demand has increased and she wants to take advantage of it for a new investment however, she doesn't have enough capital and that is why she is requesting a loan from INTEGRAL which will allow her to buy corn wholesale, firewood, etc...

Emma has good payment references and is very responsible. She ensures that she will be able to get out of debt and she has faith that she will bring economic security to her home.
View original language description ↓
Emma vive junto hijo y en casa propia, ella se dedica a la venta de tortillas en el lugar de su residencia, tiene varios años de trabajar con el pequeño negocio y ha adquirido experiencia valiosa que le permite agilizar la producción de tortillas, gracias al buen manejo de la venta siempre obtiene las mejores ganancias, la comunidad donde vive es muy transitada y ya tiene mucha clientela, aunque sus mejores clientes son los vecinos, todo la prefieren porque su producto es de calidad, a un precio accesible y sobre todo con el servicio mas rápido del lugar; Emma es una mujer activa, decidida y muy dedicada a su labor, desea salir adelante y cumplir sus sueños por eso todos los días se esfuerza al máximo en el trabajo pues sabe que solo así alcanzara el éxito que tanto espera, en las ultimas semanas aumento la demanda y quiere aprovechar para una nueva inversión, pero no posee de suficiente capital que la respalde por eso le solicita a INTEGRAL un crédito que le permita comprar maíz por mayor, leña, etc. Emma tiene buenas referencias de pago y es muy responsable, asegura que podrá cancelar la deuda y a la vez tiene fe que 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

  • $4,900
    Average annual income
  • 666
    View loans »
    El Salvador Loans Fundraising
  • $24,126,900
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $500 helped Emma to buy corn at wholesale, and firewood.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 21, 2013
Listed
Feb 2, 2013
Currency Exchange Loss:
N/A
Ended:
Sep 17, 2013