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Maria Enma
María, 31 years old, lives with her husband and a daughter, Mariana.

She works in her own beauty salon where she styles hair, cuts hair, does facials, dyes hair, does manicures, and other services. She also has a cybercafe where she rents computers so people can connect to the Internet and youngsters can do their homework. Her daughter helps her in the business. The beauty salon and the cybercafe are located in her home which is a plus because of advantages such as not having to pay rent.

María is asking for a loan through Integral so she can invest in the purchase of a computer in order to improve the service of the cybercafe and at the same time invest in the purchase of beauty products such as hair dyes, shampoo, creams, conditioners and more so she can improve the beauty salon and thus be able to serve more clients.
View original language description ↓
María de 31 años de edad, vive junto a su esposo y una hija. Mariana trabaja en su propia sala de belleza en donde se dedica a realizar peinados, cortes de cabello, faciales, tintes, manicures, y otros servicios más, así mismo posee un cibercafé donde alquila computadoras para que las personas se conecten a internet y jóvenes realicen sus trabajos, en este negocio le brinda ayuda su hija, tanto la sala de belleza como el cibercafé están ubicados en su casa de habitación lo que es muy positivo porque cuentan con ventajas como no tener que pagar locales. María solicita un préstamo a INTEGRAL, por medio del cual pueda invertir en la compra de una computadora para mejorar el servicio del cibercafé y así mismo para invertir en la compra de productos de belleza como tintes, champú, cremas, acondicionadores y otros más con lo que mejorara el salón y así podrá atender más clientes.

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
  • 860
    View loans »
    El Salvador Loans Fundraising
  • $28,299,400
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $550 helped Maria Enma to buy products for her beauty salon.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jan 21, 2013
Feb 2, 2013
Currency Exchange Loss:
Nov 17, 2013