Update on Telma AracelyTelma lives with her life partner, she sells fruit and vegetables: peppers, potatoes, tomatoes, onions, among other items. She has had the business for several years and this has given her extensive experience in sales allowing her to make the most profit. The location where she sells is very strategic and visited by many people. She has many customers that prefer her because her products are fresh, of good value, high quality and with excellent service.
Telma is an enterprising woman, dedicated to her work and eager to get ahead. She is always looking for alternatives that allow her to succeed. In recent weeks demand has increased and she wants to take advantage of this opportunity to make a new investment, but doesn't have enough capital so she is requesting a new loan from INTEGRAL. This loan will allow her to purchase fruits and vegetables wholesale.
Telma has payment has good credit references and ensures that she can pay off the debt. She is grateful for the support and knows that this will give her family a better life.
Previous Loan DetailsTelma Aracely is sixty years old. She lives together with her life partner. She works selling fruits and vegetables in the market in the town where she lives. She has tomatoes, onions, potatoes, chilis, and more. She has had this business for several years and she has gained a lot of experience in… More from Telma 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
445View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 17 months (Additional Information)
- Repayment Schedule
- Jul 12, 2013
- Jul 19, 2013
- Currency Exchange Loss:
- Jan 17, 2015
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.