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Alma  Del Carmen
Alma, 57, lives in her own house with her husband. She has a store where she sells necessities such as beans, milk, eggs, bread, and others. She has had her business for a long time and it has given her sales experience that allows her to earn the best profits.

The store's located in her house in a busy area. She has acquired a lot of customers because she has the best-stocked store. People prefer her store and keep it ahead of the competition because she always has what they need: quality products at affordable prices and excellent customers service.

Like any good merchant she wants to grow her business and make a new investment. She needs capital, however, so she's requesting a loan from Integral to buy basic grains, sweets, eggs, bread, beverages, etc.

Alma has a good payment record and is certain she'll repay the debt. She also trusts she'll give her family a better quality of life.
View original language description ↓
Doña alma de 57 años de edad vive en casa propia con su esposo, ella posee una tienda donde vende artículos de primera necesidad, frijoles, leche, huevos, pan, entre otros, tiene muchos años con su negocio y eso le ha regalado experiencia en las ventas que le permite obtener las mejores ganancias, está ubicada en el lugar de su residencia en una localidad muy transitada, se ha hecho de mucha clientela, pues tiene la tienda mas surtida, las personas lo prefieren y lo mantienen delante de la competencia porque siempre tiene lo que necesitan con producto de calidad, a precios accesibles y con un servicio inigualable siempre a la orden de los clientes, como toda buena comerciante quiere acrecentar el negocio y realizar una nueva inversión pero necesita de capital por eso le solicita a INTEGRAL un crédito que le permita comprar granos básicos, golosinas, huevos, pan, bebidas, etc. doña alma tiene buenas referencias de pago, asegura que cancelara la deuda y a la vez confía en que le dará 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 El Salvador

  • $4,900
    Average annual income
  • 437
    View loans »
    El Salvador Loans Fundraising
  • $22,743,825
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Alma Del Carmen to buy food.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 4, 2013
Listed
Jun 23, 2013
Currency Exchange Loss:
N/A
Ended:
Jul 17, 2014