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María Gumercinda
María is 46 years old and resides in Morazán Department. She lives with her husband who is an employee in a private enterprise, and with her mother-in-law. María is a very hard working woman who doesn't stand around with arms crossed when faced with the difficult situation she and her family endures.

That's why she began selling natural medicines some 5 years ago in communities in the east, such as La Unión and San Miguel. Each day she sets out on foot to sell her products, offering very good prices. The confidence she stirs in people, plus her many years of experience, is why she has so many customers.

She requests a loan in order to have the money necessary to buy the medicines, because in most cases, she sells her products on credit and often, she lacks the money necessary to augment her inventory. She does this primarily with the intention of helping her husband with the costs of the home, so that they can count on greater economic stability.
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María Gumercinda D. C. D. C. D. 46 años D. edad, resiD. en el departamento D. Morazán. Vive junto a su esposo el cual es empleado D. una empresa privada y junto a su suegra. María es una mujer muy trabajadora quien no se queda D. brazos cruzados ante la situación tan difícil que vive junto a su familia, es por esta razón que ella se encarga D. vender medicinas naturales, las cuales comercializa desD. hace 5 años atrás, por diferentes pueblos D. Oriente D. país, tales como La Unión y San Miguel. Cada día María se dispone a vender su producto D. forma ambulante, ofreciéndolos a muy buenos precios. Así también es gracias a la confiabilidad que María ha brindado a las personas y sumándosele todos sus años D. experiencia, que es porque posee muchos clientes. Ella solicita un préstamo a través D. cual pueda contar con el dinero necesario para comprar medicinas, esto debido a que en su mayoría, venD. su producto a crédito, y muchas ocasiones no cuenta con el dinero necesario para aumentar su inventario. Esto lo hace sobre todo con las intenciones D. poder ayudarle a su esposo con todos los gastos D. hogar, D. manera que puedan contar con una mejorar estabilidad económica.

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
  • 733
    View loans »
    El Salvador Loans Fundraising
  • $29,699,575
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,200 helped María Gumercinda bUYING NATURAL MEDICINES TO SELL.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Feb 13, 2010
Mar 2, 2010
Currency Exchange Loss:
Jun 16, 2011