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Clara Valentina
Clara Valentina is 55 years old and lives in her own home together with her adult son. Clara owns a beauty salon that she has managed to keep running with a lot of effort. She has been in this business for many years and, with the help of almighty God, she has always known how to keep ahead of the competition. Clara is noted as being a hard-working, responsible woman who is committed to her work. She is also very kind when she provides her services. Clara's customers are the most important thing to her as she knows that the well-being of her business depends on them. For this reason, she tries to proviD. the best possible service. Lately, Clara has been thinking a lot about how to continue improving her business so that her customers are always keen to request her services. This has maD. her sit back and think and deciD. to take out this loan from INTEGRAL so that she can buy beauty products (make up, shampoo, creams, lotions, etc.) and the tools she needs (combs, hair straighteners, scissors, hair dryer, etc.) so that she can proviD. her customers with a good service and so that her business will thrive and continue providing the rewards she needs so that she can aspire to a better quality of life.
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Clara Valentina D. 55 años D. edad, habita en casa propia junto con su hijo el cual ya es mayor D. edad. Clara posee un salón D. belleza que con mucho esfuerzo ha logrado mantener. Tiene muchos años D. dedicarse al negocio y con la ayuda D. Dios todo poderoso ha sabido estar siempre adelante D. la competencia. Clara se caracteriza por ser una mujer trabajadora, responsable y dedicada a su trabajo, además es muy amable a la hora D. prestar su servicio. Para ella lo más importante son los clientes ya que sabe que D. ellos depenD. el bienestar D. su negocio por lo que trata D. dar el mejor servicio posible. Últimamente ha estado pensando mucho cómo hacer para seguir mejorando su servicio D. tal manera que los clientes siempre estén motivados a solicitar sus servicios. Todo esto la ha hecho reflexionar y tomar la decisión D. solicitar este crédito a INTEGRAL para comprar productos D. belleza (maquillaje, champo, cremas, lociones, etc.) y las herramientas necesarias ( peines, planchas, tijeras, secadora, etc.), para poder dar un buen servicio a los clientes D. tal manera que el negocio florezca y siga dando los frutos necesarios para aspirar a una mejor calidad D. vida.

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
  • 546
    View loans »
    El Salvador Loans Fundraising
  • $31,854,275
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $900 helped Clara Valentina to buy make up, shampoo, creams, lotions, combs, hair straighteners, scissors, hair dryer, etc.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 3, 2011
Currency Exchange Loss:
Dec 15, 2012