Update on Irma AracelyIrma lives with her small daughter and her husband with whom she works day-to-day to be able to have everything that is necessary in their home. Irma is a very hard-working person who has very good references from people because she has always been seen performing her role as a mother and provider in the best manner and with the best will.
Irma sells beauty products such as creams, perfumes, cosmetics, jewelry and items for the kitchen and the home in general. She sells these items on foot and from her home, offering all of her clients the best service since she delivers orders on time and also offers very good prices.
Irma is requesting a loan from INTEGRAL with which she can buy a greater quantity of creams, perfumes, cosmetics, and household items so that her sales will increase and she can have a better business that offers better opportunities in the lives of herself and her family.
Previous Loan DetailsIrma Aracely, who is 48 years old, lives with her life partner and her daughter. She buys and sells personal products by catalog: lotions, creams, cosmetics, and hair products, among other items. She has had her little business for a number of years, and it has given her a lot of experience in sa... More from Irma Aracely'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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Success!! The loan was 100% repaid
- Repayment Term
- 10 months (Additional Information)
- Repayment Schedule
- Jan 23, 2013
- Feb 6, 2013
- Currency Exchange Loss:
- Feb 21, 2014
Photo from previous loan
Kiva allows our Field Partners to re-use the same photo for individual borrowers that have been posted on Kiva's website once before in a 24 month period, and we allow them to re-use group photos for up to 24 months, provided that 80% of the current group's membership is represented.
Taking, collecting, and uploading photos of borrowers is one of the most challenging elements of using Kiva for our Field Partners. In order to make Kiva easier for Field Partners to use, we have allowed them to post successive and concurrent loans without taking a new photo of the borrower if the criteria above are met.