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María Julia
María Julia lives in a rental house with her two grown-up sons Edgar and Héctor. She is an entrepreneurial and very hard-working woman. She starts her day very early so that she can do all of her housework and then move on to working in her business.

María Julia sells tortillas. She has owned a small tortilla bakery for several years and it has allowed her to get her children ahead in life. Thanks to God and her efforts, she has managed to provide her two sons with a university education and she continues working so that she can continue reaping rewards from her work. She would like to expand her tortilla bakery. That is to say, she would like to increase her offer of delicious tortillas so that she can attract more customers which will help her to improve her sales and, thereby, her financial situation.

For this reason, María Julia has taken the decision to request a loan from INTEGRAL to invest in the supplies she needs such as corn, water, propane gas, etc. in order to achieve her dream. She trusts in God that this will help her to improve her financial situation.
View original language description ↓

María Julia vive en casa alquilada con sus dos hijos Edgar y Héctor que ya son mayores de edad. Ella es una mujer emprendedora y muy trabajadora. Empieza su día desde muy temprano para poder hacer todas las tareas de su hogar y luego continuar con su negocio. Se dedica a la venta de tortillas, ya tiene varios años de contar con esta pequeña tortillería y es la que le ha permitido sacar a sus hijos adelante. Gracias a Dios y a su esfuerzo ha logrado dar los estudios Universitarios a sus dos hijos y sigue trabajando para seguir cosechando los frutos de su trabajo. Ella quiere ampliar su tortillería, es decir, quiere aumentar la oferta de sus ricas tortillas para poder atraer a más clientes que le ayuden a mejorar sus ventas y por ende su situación económica. Esto la ha llevado a tomar la decisión de solicitar este crédito a INTEGRAL para invertir en los insumos necesarios como: maíz, agua, gas propano, etc. de esta manera espera lograr su sueño. Confía en Dios que esto le ayudará a mejorar su situación 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
  • 689
    View loans »
    El Salvador Loans Fundraising
  • $29,576,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $1,000 helped María Julia to buy corn, water, propane gas, etc.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2011
Jul 22, 2011
Currency Exchange Loss:
Jul 15, 2012