Update on Maria EvaMaria is 53 years old and lives in her own house with her husband and two children. She owns a shop in which she sells convenience store items, beans, milk, eggs, bread, and snacks, among other things. She has been running this business for many years and thus has a lot of experience in sales which allows her to do well. The business is located in her house, which in turn is located in a busy area. Maria has a lot of clients since she has a well stocked shop; people prefer her to the competition as she always has what they need at good quality, good prices, and excellent service.
Like any good businessperson, Maria wants to grow her business and make an investment. She is therefore requesting a loan from INTEGRAL which will allow her to purchase staple foods, snacks, eggs, bread, drinks, etc. Maria has good credit and assures that she will pay off the loan. She hopes that she can give her family a better quality of life.
Previous Loan DetailsMaria, 53 years old, lives with her spouse and their two children. She is very responsible, honest and hardworking. She has a shop in her home, which is going very well for her in terms of sales. She is asking for a loan to be able to buy more products for her shop, especially beans and propane… More from Maria Eva'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.
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About El Salvador
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Success!! The loan was 100% repaid
- Repayment Term
- 14 months (Additional Information)
- Repayment Schedule
- Oct 18, 2013
- Nov 6, 2013
- Currency Exchange Loss:
- Jul 17, 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.