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Norma Rosibel
Norma Rosibel of M. lives in Lourdes, municipality of the department of La Libertad. It has been several years since Norma sells food for daily consumption at a small food store. Norma and her husband work to cover the expenses of the home and to maintain their two children, who are still under age, and require attention and constant care. Norma is a woman is lots of energy, as she has to find time to keep up with the business and raise her children.
The M. family has managed to do well, but the recent increment of family expenses due to the rise of prices in the market, and the multiple child related expenses such as education, have forced Norma to work longer hours, and to sell her products on credit basis with a promise of payment. It is of absolute importance that the M. maximize their income opportunities.
In order to proviD. her children with a better education and future, Norma is requesting a loan to buy more merchandise for the store, (rice, beans etc…), and thus to grow her business and proviD. for her family.
View original language description ↓
Norma Rosibel D. M. vive en Lourdes, municipio del departamento D. La Libertad. DesD. hace ya un par D. años, Norma maneja un pequeño puesto, donD. venD. alimentos básicos y D. consumo diario. Junto a su esposo trabajan ambos para cubrir sus gastos y mantener a sus dos hijos, que aún son menores D. edad, y requieren atención y cuidado constante, por lo que Norma Rosibel debe diariamente hallar tiempo y fuerzas para potenciar su negocio y criar a sus niños.
Mediante esfuerzo y con la ayuda D. algunos prestamos, la familia M. ha logrado salir adelante, pero el reciente incremento D. gastos familiares por el alza D. precios en el mercado, y los múltiples gastos D. educación infantil, ha llevado a Norma a aumentar sus horas D. trabajo, e incluso a vender sus productos a plazo y entregarlos con promesa D. pago, pues es D. absoluta relevancia que maximice sus oportunidades D. ingreso.
Con la mirada puesta en el desarrollo laboral que dé cabida a una mejor educación y futuro D. sus hijos, Norma solicita un préstamo a Integral para comprar más mercadería para su tienda, (consomés, arroz, frijol etc.), y así crecer como empresaria y madre a la vez.

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
  • 859
    View loans »
    El Salvador Loans Fundraising
  • $28,312,150
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Norma Rosibel to purchase more merchandise for her store, (rice, beans etc…).
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Oct 10, 2008
Sep 26, 2008
Currency Exchange Loss:
Feb 15, 2010